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

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On  XXXX   XXXX ,  XXXX  a family member purchased a first Bank  Bond  from the  XXXX   XXXX  Bank. The bond type is  a Bonus Grow Bond and they accepted for deposit the sum of {$500.00} with a 7.5 % interest rate as evidenced by the bank bond issued by t he  XXXX  Branch #  XXXX .     On  XXXX   XXXX ,  XXXX  my mother went to the bank to check the vaule of the bond and found it to be worth {$1100.00}. It is an automatic renewal bond. Sometime after  XXXX ,  XXXX  Bank was purchased by Bank of America. I have tried numerous times to contact BOA and have the bond cashed out but they say they can not find any information on this bond. the physically had the bond in thier possession at the BOA branch located in  XXXX   XXXX , SC and said they do n't know what to do with it. I have researched the sale of  XXXX  t o BOA and know that BOA, at the time of the purchase, assumed all liabilities and accounts. I want my bond cashed out, however they have refused to do so saying they have no record of it because its been longer than 7 y ears ago.
Product: Debt collection

True Accord tried to get my information. Said I owed a company I never owed.
Product: Money transfer, virtual currency, or money service

I tried to contact the bank first because somebody used the business card of our company to buy different items. As soon we noticed that some transactions happened in XXXX we went to the bank to block the debit card and to make a report. 

A couple of days ago the bank responded that they think we made the transaction. I have enough notes that we were in XXXX during the incident and all the transaction says something about XXXX. 

We want to resolve this issue because the amount is over {$3000.00} and we need the money to keep working. We just missed our sales monthly goal due to this incident because we did not had enough gas to keep driving and go to work with our employees.
Product: Credit card or prepaid card

I received an approved offer of credit from a XXXX ( Bank of America ) credit card. I provided the required information and I have a XXXX credit score with XXXX  Credit Reporting Bureau. 

Therefore I believe that this denial credit is based on my age and Nationality and is discriminatory. Since I am an American Citizen and also XXXX. XXXX has had trouble with credit worthlessness and I am being discriminated on the basis that I am of XXXX origin.
Product: Credit reporting or other personal consumer reports

Good day, agent. I heard back from Experian, XXXX and XXXX as they have finished their reinvestigations. ALL THREE verified my account as accurate with some modifications they made. I am in total disagreement with these finding. This account CAN NOT be verified as accurate if all three conducted " accurate verifed '' results that do not match one another. It's so bad that Experian 's reinvestigation changed my charge off date to XX/XX/XXXX, which is the date I paid off the charge off, the other XXXX bureaus reported charge off XXXX not XXXX, mismatching info! Again reporting my account inaccurately and hurting my consumer report. XXXX has my first delinquency reported as XX/XX/XXXX, the other XXXX says it's XX/XX/XXXX ( which is odd because XXXX also has my account closed as of XX/XX/XXXX which contradicts them saying my account was open and ok until XX/XX/XXXX ). Mismatching and contradicting info! Date opened info is inaccurate among them XXXX, as well as : Date last paid, date last active, highest credit balance and XXXX reporting me as Derogatory when TU & Exp has as paid. All mismatching information. I provided updated documents to verify this, as my updated, supposed, " accurately verified '' consumer reports is not accurate nor verified. 

You all truly failed to reinvestigate this account properly and your utter neglect has violated my rights! I am requesting all the information and data the bureaus gathered to " verify '' my account. I also want an updated consumer report as well. I demand this account to be completely removed from my consumer report. For years this inaccurate reporting has caused my family and I to lose out on thousands upon thousands, missed opportunities and lowering my quality of life!

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 furnishers of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item from my report, immediately : XXXX XXXX. Thank you, take care.
Product: Mortgage

Rushmore Loan Management Services bought my $ XXXX home equity loan for home remodeling. In the middle of remodeling, we detected water damage to the floors, and XXXX XXXX issued a {$25000.00} check to replace the floors. Instead of paying for bun engineered floors, Rushmore deposited the check to their escrow. Thus I had to pay my contractor for urgent demolition ( to prevent further damage ) and materials. After a fight, Rushmore paid {$16000.00} to my contractor ( now the contractor completed the floors and is paid in full ). XXXX was satisfied with floor repair and released the additional {$2400.00} depreciation check. However, Rushmore fails to release the remaining {$8700.00} to me ( I had to use my money designated to remodel the bathroom ). Thus I can not  rent or live in my condominium as the bathroom is not finished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fia Card Services Na has a federal judgment against them for injustices of card users, My first claim was they were not listed on a XXXX XXXX XXXX judgment which is hampering my day to day functioning. XXXX XXXX XXXX date is isted 2011 which is used to delay my relief. Docket XXXX In my first response I did not explain the federal judgment against this group.discrediting their credability. 

Their response was just which your agency demanded was just enough to delay for another 60 days. 

I ask for relief as to their proven unlawful charges, fees, and forcing responses and payments from correspondents or customers
Product: Credit reporting, credit repair services, or other personal consumer reports

We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint about XXXX XXXX, XXXX for furnishing inaccurate and inconsistent information to the credit bureaus regarding my two XXXX accounts. Despite multiple disputes, XXXX continues to report conflicting data on Equifax and TransUnion. One account ( ending in XXXX ) is an open revolving line that TransUnion lists with a XXXX balance and a XXXX limit, while Equifax shows a XXXX balance and does not clearly show the same limit. Additionally, they appear to have reaged the debt by placing a Date of First Delinquency in 2024, which extends the time this negative entry remains on my report. The second XXXX account ( ending in XXXX ) is a closed installment with a XXXX balance but is still reporting as delinquent or 90 days past due on one bureau, which is contradictory since a XXXX balance closed account should not be listed as past due. XXXX previously removed these accounts altogether, suggesting the information was unverifiable, yet Equifax and TransUnion still report them differently. XXXX claims they report accurately but has not addressed the documented inconsistencies. Under the Fair Credit Reporting Act, data furnishers must ensure accuracy and consistency, and they can not illegally reage debts or report a XXXX balance account as delinquent. I am requesting the credit bureaus investigate these specific errors, require XXXX to provide proper verification of the correct dates, balances, and payment status, and delete or correct the tradelines if they can not accurately resolve these discrepancies. The continued reporting of contradictory balances, dates, and delinquency on a zerobalance account violates the FCRA.
Product: Debt collection

True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to XXXX XXXX XXXX and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.
Product: Credit card or prepaid card

XX/XX/2020 This is in reference to a check sent to Citibank in the amount of {$8300.00}. The check was sent via XXXX  overnight to XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. The tracking number is XXXX. It was delivered on XX/XX/2020 at XXXX XXXX and signed by XXXX XXXX. 

This was to pay off the balance, stated above, on my account. The payment was received and cashed well ahead of my XX/XX/2020 due date. As of the date of this letter, Citibank has failed to promptly post payment to my account. Currently, my account is still in past due status. I have spoken to several representatives with Citibank but this has not established any resolution to the situation. Please see timeline of communication with representatives below. 

XX/XX/2020 Spoke with representative and was told they would launch an investigation to find my check which could take 7 to 10 days. I was told someone would contact me in two days. No one contacted me. 

XX/XX/2020 Spoke with a representative and was told to fax a copy of the cashed check to the Investigation Department at XXXX. One fax was sent by me, and one sent by the institution that issued the check on my behalf Pay To The Order of Citibank. 

Followed up with another representative later that day to verify the fax was received by the Investigation Department. I was told that they could not confirm until Wednesday, XX/XX/2020. It was never confirmed. I was also told that no one would be contacting me with any updates during the investigation. 

XX/XX/2020 Representative on this day worked with her supervisor to find the payment. After giving her the check, routing and account numbers they were able to find my check in their system. I was told it would still be 7-10 days to complete investigation before they could post the payment to my account. 

XX/XX/2020 A representative again confirmed it was noted in their system that the check was found. I was referred to a representative in the customer service department but he did not seem as if he was interested in helping me. Nor did he assist in getting my payment posted to my account. Next, I spoke with a manager who stated that he would submit a request to try and speed up the process. 

XX/XX/2020 Spoke with a representative who told me there has been no movement on resolving this issue with my account. He stated that there would not be any new information until the investigation was completed. 

This whole ordeal has been frustrating and exhausting. There is no need to prolong an investigation when my check has been cashed and confirmed received by Citibank personnel. Which has brought me to the point of contacting the Consumer Financial Protection Bureau for assistance. Any and all assistance you could give me concerning this challenging issue would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX 2024
Product: Debt collection

Dear Sir or Madam, This letter is in reference to GRANT & WEBER Account # XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$7400.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX is continuously reporting inaccurate, unverified and mismatched data across all XXXX of my consumer credit reports. In this latest example as you can see in the attached documentation, they are reporting the date of last activity on my XXXX report as XX/XX/XXXX. My XXXX report with a date of last activity as XX/XX/XXXX, and my Experian report with a date of last activity as XX/XX/XXXX. If the information was accurate, why is it reporting XXXX different dates to include a date just a few days ago? 

Date of last activity can only be changed or updated for the following reasons. XXXX. The consumer makes a payment. XXXX. The consumer misses a payment. XXXX. The balance of the account INCREASES. NONE of which occurred on this alleged " CHARGE OFF ACCOUNT '' that they are reporting as a " '' COLLECTION ACCOUNT ''. The company failed and continues to fail and adhere to following the guidelines, standards and laws when it comes to the FCRA and XXXX Laws pertaining to debt collections and reporting. See the attached documentation showing the inaccurate, mismatched, and different information across all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 following items : 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 XXXX
Product: Credit card

I was issued a new chip card, and had no idea that i would need to re-enroll in auto-payments. I received a letter stating that my account was past due, attempted to access my account. Could not see any more than 2 months. Talked to numerous customer representatives, none of which were really able to answer my questions. Finally just closed my account. I still have no idea why my account was not paid automatically as I had set up, or why I was able to access only 2 months of statements. I had issues with this company in the past, and was going to close the account, but had been talked into keeping the account open when I had called to cancel. I have a number of other cards and I have no problem keeping the accounts paid on time. There are too many other good companies out there with great cards, this one is awful.
Product: Checking or savings account

I opened a Citi priority account with {$700.00} welcome bonus on XX/XX/XXXX. XXXX. All the requirements were meet by XX/XX/XXXX. It has been about 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. The requirement to earn {$700.00} bonus is to keep deposit $ XXXX within first 30 days of opening the account and maintain a minimum balance of $ XXXX for 60 days. My accounts have more than $ XXXX balance since XX/XX/XXXX. So, this requirement is fulfilled by XX/XX/XXXX. Please ask Citi to post {$700.00} credit as advertised.