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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8100.00}, {$5700.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was looking at my bank account and I noticed that {$1000.00} was taken out so I looked at my Venmo account and I noticed there was two payments of {$500.00} each that I did not auhtorize. One was too a XXXX XXXX and the other was to an XXXX. I contacted venmo to see if they could get my money back and today, XX/XX/XXXX I heard back from them saying that it was denied and I was not getting my {$1000.00} back.
Product: Mortgage

I had a loan with HSBC for a house I owned. Because of unforeseen circumstances we had to process a died in lieu on my property. This was back in XXXX. I processed and signed everything. Fast forward and I have tired to get a loan on a home and was told I had a forclosure. After many phone calls and research it turns out that HSBC never finished the process of the died in lieu. I even spoke to the lawyer that HSBC used and they verified that the bank just stopped responding to them. So because of that i am unable to purchase a home until XXXX of XXXX. We went back thru the entire process of the died in liue and submitted again ad finally dont correctly. The bank had nothing to offer, even apologizes, as this was their fault and my family left without being to buy a home.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXXXXXX XXXX, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX
Product: Credit card or prepaid card

I booked three hotels in XXXX with my Citi Costco Card. This was during XXXX, during the pandemic and when XXXX was in total lockdown. Two of the hotels refused to refund my money or offered me credits to use during the pandemic. 

So, I challenged the payment with Citi. Citi refused to give me credit. It is unfair that I should have to pay for hotel reservations during the pandemic. My flight to XXXX was cancelled. Citi should refuse payment to the hotels and refund my money. I have attached correspondence from the two hotels. 


Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

KAY JEWELERS XXXX Balance {$0.00} ;
Product: Credit card or prepaid card

I was asked by Capital One to apply for a Credit Card, and have good credit with excellent paying history. 
they turned me down as said I had too many credit cards but they approved all of them. 
I was planning on getting one with good interest which I have earned, and transfer a balance.
Product: Money transfer, virtual currency, or money service

I sent money over venmo and XXXX and my disputes with the money declined and now taking all back because someone didnt do what I paid them to do and they are asking if I could contact the person I sent the money to but Im blocked and he hopped out of town and I feel like Im in a terrible situation.
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 # 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 an 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 adverse items of information, other than records od 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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX XXXX
Product: Credit card

Earlier this year I was online booking a flight. I found a good flight with XXXX XXXX that worked within the dates and times I needed to travel so I proceeded to book. As I was about to purchase, I received an add to apply for a Citi AAdvantage credit card and receive my checked bags free and some other benefites. I proceeded to apply. I was approved and continued with the purchase to be placed on my new Citi AAvantage card. 
When the transaction was complete, I checked and the tickets were booked for completely different dates than what I selected. I immediately called XXXX and explained the situation. XXXX was very unfriendly and told me that they will not give me credit for the flight as their system would not do, there is a {$200.00} change fee and the flight for the dates I really intended to book ( later in the month ) was almost {$300.00} more per ticket. I asked to speak to supervisors and was told sorry, they could not help me. 
I went back to XXXX online to replicate the situation and after selecting one date and waiting for a while, the system defaulted to a different date. I called back XXXX and explained my experience and they said unfortunately they could n't help me. I wrote to explain and still no help. 
I called Citi Bank to dispute the charge. They were very understanding and gave me a credit for the charge. Then I started to receive bills for the charge. I called back and Citi said they sent me a letter for me to send them a written proof of what happend. I explained that I did not receive any such letter. The supervisor said she will send out other paper work. I finally received, completed and sent back to Citi via mail. 
This has been almost two months ago. I am still receiving bills from Citi stating I am past due with no explanation. 

I belive XXXX and Citi Bank deceptively set up this product to get customers to apply for the carrd and unfairly charge for purchases. I would like my purchase to be credited as I did not use the flight. I was unable to travel on the dates that the flight was booked for. I would like any negative report on my credit bureau cleaned up.
Product: Credit reporting or other personal consumer reports

XXXX is a timeshare. I had a credit card with them XXXX Collaborating With Comenity Bank so all their customers to this bank. I paid my Balance off and now it's back on my credit report showing that I have a late payment of no amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX/XXXX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit card or prepaid card

I've attempted to call and email BBVA Compass ( call, ~XX/XX/XXXX, XX/XX/XXXX ; email XX/XX/XXXX, XX/XX/XXXX ) after my account was frozen on my request to dispute a transaction ( which I was unable to do online ). Once my account was frozen, I was unable to access my balance and transaction history. I received my new credit card in the mail XX/XX/XXXX, activated it XX/XX/XXXX, and still see no account history for this credit card. The individuals who I spoke to over the phone with BBVA were either unhelpful or outright rude. I was told ~XX/XX/XXXX that a dispute document was going to be sent to my home address, which I have yet to receive ( although I've received my credit card ). I've never dealt with a financial institution so inept and unable to answer what should be a simple problem/question. I've started to consult attorneys in the area to ensure I'm not taken advantage of. This is unprecedented behavior and I don't yet understand what is driving it.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX, XXXX, and Equifax regarding the account XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : XXXX reports {$620.00}, XXXX reports {$0.00}, and Equifax reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information. 

Conflicting " Date of Last Activity '' ( DLA ) : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : XXXX lists the account as closed on XX/XX/XXXX, but XXXX and Equifax fail to report this status.

Omission of this critical data violates 609 ( a ) ( 1 ).

Erroneous Payment History Reporting : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

Equifax 's late payment history conflicts with XXXX 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : XXXX and XXXX list a credit limit of {$600.00}, but Equifax lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ).

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

Requested Resolution : Delete this account from my credit reports at XXXX, XXXX, and Equifax. 

Provide me with a written confirmation of the deletion. 

Enclosed are copies of my credit reports highlighting the discrepancies and inconsistencies for your review. 

Thank you for your immediate attention to this matter. Please contact me if you require additional information. I look forward to your response within the XXXX investigation period as required by the FCRA. 

[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/XXXX I received a notice that my account are being closed this is my private account and did not give the funisher permission to XXXX XXXX or close my accounts due to the privacy at of XXXX XXXX  and the FCRA 15 usc 1681a ,15 usc 1681i, The Act ( Title XXXX of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I XXXX XXXX living man of XXXX did not give funisher permission to look at my account or closed my account. I want to rescind that application I am age of majority I am not a minor and I do my own accounting.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I opened an account with them and then they closed it. When I called them, they refused to give a reason, but said they would refund me, see ATTACHED letter. I then wrote them a couple of months later and they ignored me, see XXXX. I then e-mailed the XXXX  and he ignored me, see ATTACHED. I have been on the phone with them about once a week for the past month for hours, and still they refuse to refund, giving no explanation other than procedure. Now they have charged me monthly maintenance fees, see XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. This was Wednesday XX/XX/XXXX for XXXX.
Product: Credit reporting or other personal consumer reports

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXXXXXX XXXX/XXXX/EQUIFAX/XXXX/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA , Inc. FILED : XX/XX/XXXX XXXX ; ). Therefore, there are so many errors and violations.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to delete any inaccurate accounts from my credit report. Could you check the documents? There are errors in some of the listed accounts, such as incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX Credit Bureau XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.

I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.

On separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX  included ) pertaining student loans for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account is reporting to XXXX, XXXX, and XXXX is inaccurate and incomplete.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Payments history is inaccurate and incomplete Please not documents 1 and 2 as well as the loan numbers correlating to the accounts below
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report to all XXXX credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX