23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened the account with citibank XXXX tried to fund the account with a check I received from an old landlord for security deposit and a month of rent of XXXX $ on XX/XX/XXXX and also with my tax refund of XXXX that was deposited into my XXXX XXXX account I tried to make a bank transfer XX/XX/XXXX for that amount to Citi bank due to my XXXX XXXX account was closing soon. Well Citi bank did not try to get the funds until XX/XX/XXXX in fact the account was already closed I called Citi bank and let them no the situation to the XXXX and ask about the other XXXX they said XXXX check was funded into my account but have a hold on my account for XXXX I let them no my account already closed because the funds werent transferred In time. They said that they needed to verify my phone number I told them the phone number I signed up either said they could not use that phone number I have had that number and account is under my name for so long they said they would send a referral code I called back with referral code I received in the mail and they said they could not help me and needed to send a new one I went to the Citi bank branch trying to verify it is me and the situation and they said I need to get a new code or a new phone number still know luck trying to get my money been calling everyday doing every step possible Im a single mother and I am falling behind because of the inconvenience of not accessing my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified dispute, and received results XX/XX/2021 that the items in dispute were verified. 

On XX/XX/2021 I sent a certified request under FCRA 611 ( 6 ) ( b ) ( iii ) to provide " a notice after receipt of my request, that contains a description of the procedure used to determine the accuracy and completeness of the information supplied in regards to the investigation of my dispute, which shall be provided by the agency ( Transunion ) including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher ; if reasonably available. 

Furthermore, I requested that the information be sent to me within 15 days as governed by FCRA 611 ( 7 ).

NO RESPONSE WAS RECEIVED REGARDING MY REQUEST UNDER 611 ( 6 ) ( B ) ( iii ). Yet, Transunion documents my dispute as being " FCRA Compliant ''. 

My dispute was not properly investigated. Even now,, the creditors disputed supply different data to each of the credit bureaus. The avenue that allows the consumer to be notified of how the dispute was investigated, and whom supplied the information has been disregarded by Transunion unlawfully. Transunion representatives state that the company has no obligation to follow the FCRA concerning the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX  XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section 602 ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer. 

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years. 

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate. 

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report. 

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} 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 Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
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 {$11000.00} XXXX {$420.00}, XXXX mobile $ {$100.00}, XXXX  XXXX account {$480.00} and XXXX accounts of self leader has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this XXXX XXXX XXXX Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$440.00} ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Debt collection

I have received 11 robocalls from XXXX since XX/XX/2018. Finally a human connected today. 
Person identified as calling from " Diversified Consultants on behalf of XXXX ''. 
Asked for my home address and last 4 of my social security number, without explaining why she wanted this info. 
When I asked why, she would not tell me. Nor would she give me the company address. 
I asked to speak to a supervisor. Supervisor XXXX joined the call. Again asked me for my address and social security number. I again asked WHY they wanted this information ; I do not want to provide this info to a telemarketer or scammer. 
XXXX said she would not tell me why they were calling unless I gave them my personal data. 
I refused, and asked for their company address so I could register a complaint with my state. XXXX hung up on me. 
I looked up the phone number online, and apparently Diversified Consultants is a debt collector. 
I have never been a XXXX customer. I don't have television/cable service. 
They never did say why they were calling, nor did they identify themselves as a debt collector.
Product: Debt collection

There is a collection reporting with National Credit Systems that is for an apartment complex that I never moved into and cancelled the application prior to to being submitted for approval. I have email communication showing that I cancelled and that I owe no money. They were deducting a fee from that deposit that I never agreed to and there is nothing showing in writing that a portion of that money was nonrefundable for a charity donation.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and Equifax about fraudulent activity and inaccurate information on my credit report. I asked them to verify those accounts and after they did, there were still inaccurate reports on my credit. 

( XXXX ) Do not recognize account ( XXXX ) Amount {$120.00} Inaccurate Information ( XXXX XXXX XXXX ) DUPLICATE ACCOUNT Do not recognize neither Account ( XXXXXXXX XXXX ) DUPLICATE ( XXXXXXXX XXXX ) Do not recognize account
Product: Debt collection

North Shore Agency , LLC, still has not submitted the proof of payment, I sent to them from my bank, XXXX XXXX XXXX for the payment of {$270.00}, I supposedly owe to the original creditor, XXXX XXXX. Review Consumer Financial Protection Bureau Complaint : XXXX.
Product: Credit reporting or other personal consumer reports

Account XXXX  XXXX XXXX XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$810.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I disputed XXXX and XXXX which is on my reports. They responded that they could not find an account in my name. They are all still reporting it even after this creditor could not find my name in their account. The complaint number is XXXX on your site. I want the inaccurate account removed from my consumer reports.
Product: Debt collection

Dear XXXXXXXX XXXX XXXX  Account # XXXX ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

I have repeatedly asked this company for validation of debt and all they send me is a bill with an address I have never lived at. They have not yet validated the debt and yet it still stays on my credit report. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX XXXX XXXX XXXX XXXX/ The Thomas Agency Inc CURRENT BALANCE {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It's seems XXXX and Equifax continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX XXXX XX/XX/2021 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts XXXX Inquiries XXXX Try XXXX XXXX credit-boost-image Instantly Boost Your XXXX Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

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Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX  & reg ; XXXX XXXX & reg ; for Rebuilding Credit Robert, you're pre-approved for an offer from our partner XXXX XXXX XXXXXXXX  
About 90 % odds of approval, subject to final checks
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus hav

e not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Loans account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an secured Loan at XXXX XXXX XXXX XXXX XXXXXXXX opened at at on XX/XX/XXXX Account number ( XXXX ) an secured loan Opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). An revolving account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ). An Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an installment account opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX, I called Chase Bank to open a savings account. Their representative XXXX XXXX XXXX spoke with a manager and granted my special request as I have an existing checking account, but am no longer living in a state with a branch so I am unable to open this account in-branch, nor online, as there is a location restriction that also blocks online applications when there is no branch in your state. Chase told me all I needed to do was sign a signature card and return it along with copies of identification and opening deposit. I did just that on XX/XX/XXXX. However, on XX/XX/XXXX, everything was returned to me without explanation. I called Chase and was told to send everything back along with a billing statement proving my current address matches what Chase has on file. I did just that that very same day. On XX/XX/XXXX, I called Chase to follow up. They are returning everything to me, yet again, this time citing my savings account can not be opened because I need to open it in-branch or online. Chase Bank has been giving me the runaround. None of their representatives are on the same page and XXXX does not return any of my emails. One agent tells me my request has been approved and then another tells me the exact opposite. Chase is showing very poor customer service and providing me with false promises. I do NOT know who to trust. This has been an absolute nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.