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

In accordance with the fair Credit reporting act XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) XXXX XXXX Account # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( 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  and o feel my rights are being taken advantage of. 


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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018, XXXX XXXX of XXXX XXXX was given an invitation to bid on electrical work to be preformed at my residence. XXXX XXXX was provided a copy of electrical plans that I have also attached. The same plans are also referenced in several places on the contract dated XX/XX/2018 with the language *per plans. This is XXXX XXXX acknowledgement of receipt of said plans and understanding that work was to be completed in accordance to plans as well as terms of our contract. 
The plans provided to XXXX XXXX state very clearly in writing that all work is to be performed in full compliance with all, city , county, state, and national codes. Texas law also requires that any electrician performing work will do so in compliance with all applicable codes. 
There is NO language on the contract that releases Texas XXXX XXXX XXXX of this requirement, and referencing the plans on the contract in writing further reinforces contractors responsibility for meeting this requirement. I am also adamantly refuting the possibility of XXXX XXXX releasing himself of this obligation verbally or otherwise as he has stated in his supporting documentation. 
XXXX XXXX did not complete any of the contracted work in a compliant manner, defrauded me out of {$4000.00} including {$420.00} of which was charged on my Citibank XXXX. I reached out to Citibank to dispute the charge and they denied my claim. 
Citibank has chosen to side with a fraudulent merchant who has violated Texas state law rather than grant me proper protection under the Fair Credit Billing Act. 
Also attached to my complaint is the result of the investigation performed by the Texas Department of Licensing and Regulation in which they made the determination that XXXX XXXX was in violation of Texas statue as it relates to work on my property. Why has Citibank taken it upon themselves to make a different determination and violate my rights in the process?
Product: Credit card

In XXXX if 2025 I had repairs done on my vehicle and was offered a Synchrony Car Credit to use a promotional credit card for car repairs. I accepted the no interest offer and was advised no interest for a year. During that time- a month after I had several instances of fraud with the card that I had to resolve mostly on my own with an absurd amount of follow up. I finally had it resolved and now in XX/XX/year>2025 the balance is almost paid off, I had {$210.00} left to pay and I was charged {$300.00} in interest that same month. I called to inquire why and was told I was charged interest on the initial cost of the car repairs. The credit card states that it was because the full balance was not paid off. This small detail was never disclosed nor was any communication sent to me that this would happen in the next billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score reports and all include an old Citibank Card as a problem account that is negatively affecting my rating. 
In XX/XX/XXXX, I left the XXXX to take a teaching job in XXXX. That same month, I apparently owed {$1.00} on my Citibank card, probably a leftover interest charge. Because I had left the country, I did not receive a bill. 
A credit report shows that over the next year plus, Citibank kept piling onto this original {$1.00} penalties and whatnot until, as of XX/XX/XXXX, the amount owed was {$140.00} ; they then closed the account and reported it to the credit bureaus. 
In XX/XX/XXXX, because of the pandemic, I abandoned XXXX. After being marooned for XXXX months in the XXXX, I repatriated to the XXXX this past XXXX. During my entire time overseas I did not receive any mail from the XXXX. 
The Citibank report and the damage it's doing to my credit rating seem patently unfair, especially given my circumstances. I tried to contact Citibank using two different phone numbers provided by the credit agencies, but was unable to reach a human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a re-investigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reporting that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. 

Im have over 13 accounts from the same Creditor : Account Name : FED LOAN SERV Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres 3 more accounts with the same account number under FED LOAN name, with lots of blank data from all 3 bureaus. 

XX/XX/XXXX is the oldest account under the names which is already 13 years of age and the oldest account being reported is XX/XX/XXXX which is 7 years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( b ) Accuracy of report. 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. 

I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and the willful violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times. 
15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Product: Checking or savings account

I opened a {$50000.00} CD with Capital one. 
The account I had instructed to send the money upon maturity was closed, so at maturity they mailed a check. 
That is fine, however the check they mailed was a guaranteed funds/cashiers check, which is very dangerous to mail in the current environment. 
Most importantly, I NEVER RECEIVED THE CHECK IN THE MAIL! 
I followed their procedures to stop the check, fill out an affidavit, and ask for reissue. 
They are now saying I will get my money, AFTER DAYS.

1.Why did they send a cashiers check?

2.How do I know they sent a check-I never got it? 
3.IF THEY STOPPED THE CHECK, WHY CAN'T THEY REISSUE IMMEDIATELY, WHY DO THEY GET TO KEEP MY MONEY INTEREST FREE FOR 90 DAYS? 

IS IT REASONABLE FOR ME TO NOT HAVE {$50000.00} FOR 90 DAYS, WITH NO RECOURSE, NO VISIBILTY, NO WAY TO SEE WHERE THE MONEY IS, OR TO GET IT? 

MY CASE NUMBERS ARE Case XXXX and XXXX
Product: Checking or savings account

I wrote a check for {$4000.00} to a company to build me a online XXXX store which they failed to do after 8 months I asked for a refund which day gladly did my check was cashed to XXXX XXXX XXXX XXXX did everything needed and transferred funds to Bank of America and Bank of America still states that they're waiting for a response that no funds have been transferred this and that when there's been plenty of responses hold harmless is signed XXXX XXXX money transfer numbers all the works I even had a lady named XXXX XXXX from the escalated services of XXXX XXXX open up a claim for me when I'm not even banking with XXXX and she swears up and down that they have done everything in their power everything that Bank of America needs to pay me and make them America will not pay me my money they have the return check and after like 120 days or something they close my claim stating that they're waiting for response that there was no response when and this started XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was hold on this is signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America and then on XXXX something like XXXX there was instant money transfers and everything else needed to handle the refund and the return or whatever and Bank of America was framing that there was no response when there was definitely response is happening back and forth I have all the paperwork and proof of this Bank of America stamps on my check and everything else they have my check and there's still refusing to pay me my money of {$4000.00} and since then I've suffered many damages and missed investments paid many late fees basically the {$4000.00} has already been spent on these damages that have occurred in the missed opportunities I feel like they owe me much more than the {$4000.00} because since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything I own due to this please help. Also anybody reading this I advise to not use Bank of America for anything do not use Bank of America.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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 XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I tried numerous times to cash my check at XXXX and XXXX establishments. Then I tried cashing my check it would return my check in print out a receipt stating that I could not cash my check and that I would have to call Certegy company to figure out why they are not cashing my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres random addresses i do not live at or have never lived there in the past appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : Original Creditor : XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$450.00} FXXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4400.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

Apparently someone opened an account under my name, I did not know that this happened, now a debt collector has threatened to take me to conciliation court
Product: Credit reporting, credit repair services, or other personal consumer reports

please note that I received notice in my email that I will be getting free monitoring services of my credit bureau report with Equifax for 1 Year due to the data breach, thereafter I received a link to sign up, which stated to enter my last four numbers of my social security card, when I entered it stated that that a four digit code will be text to me, which never came in. I called the Equifax and was lead to different phone numbers and no one could help me. Why are they sending information to get free monitoring when in fact it does not work. I do n't understand that people from other countries are accessing our personal information that work for Equifax, which to me does not make any sense to have our personal information lead by an individual who lives in another country.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, reported an error of 1st late payment from XXXX XXXXXXXX  due to error from fraud. Dispute was not resolved. 

In XXXX, XXXX late payment reported. I called company to dispute. Nothing was done.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no XXXX party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. 
However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX. Failure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. 
Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX. Failure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX. Failure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 
Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : XXXX. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX. Immediately block or remove all inaccurate information resulting from the identity theft. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I'm not sure why i keep getting the same parrot information from the XXXX, XXXX, AND TRANSUNION that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA.

Look that the 2 cases below : XXXX vs. Transunion revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate.

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX XXXX XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX   willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''.

Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly.

These cases above explained in detail how the true verification should take place with the bureaus.

I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.