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

I BEEN A VICTIM OF IDENTITY THEFT THE COMPANY SELF FINANCIAL/LEAD BA IS DATE OPENED XXXX AMOUNT OF {$720.00} REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT I ADDED DOCUMENTS THAT SUPPORT MY CLAIM COLLECTION agency did not send me anything to verify this account By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting or other personal consumer reports

in XXXX of 2024 i wrote to the credit bureaus that i had experience identity theft and that multiple accounts that there reporting where not mine. i sent them a ftc report from the federal government and told them that the accounts below where indeed fraud XXXX XXXX XXXX for XXXX XXXX for XXXX XXXX  for XXXX dollars and XXXX XXXX  for XXXX a bankruptcy that i have sent information from the court that they have no information of that knowledge on me. 
i provided and sent them copies of the reports by certified mail and 4 months later they are still reporting inaccurate information. XXXX  info has not been updated since XXXX of 2024 the remarks are not updated as consumer disagreed or its in a disputing process. the account term and months are not correct and the dates terms XXXX  payment extremely incorrect i have contacted and tried to resolve this issue but they will not updated these accounts i am prepared to sue for the damages they have caused my life and family as they depend solely on me FCRA section 607 ( b ) provides that 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. The Bureau has previously indicated that it is not a reasonable. 

The FCRA also requires credit bureaus to block information in a victim 's credit file that they believe resulted from identity theft within four business days of receiving notification. Lenders and debt collectors should also take steps to prevent the information from being provided againThe Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputes about the accuracy or completeness of a consumer 's credit file within 30 days of receiving notice. This reinvestigation must be free of charge and more than a cursory review. The purpose of the reinvestigation is to determine if the information is accurate or incomplete, and then to record the current status of the information or remove it from the file The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to provide and keep consumer credit information accurate, fair, and timely. This includes updating information when a consumer 's circumstances change. If a consumer 's credit report contains inaccurate or incomplete information, the FCRA gives them the right to dispute it. 
Whenever a statement of a dispute is filed, unless there is rear sonable grounds to believe that it is frivolous or irrelevant, the consumer reporing agency shall, in any subsequent report containing the informaion in quesion, clearly note that it is disputed by the consumer and provide either the consumers statement... 



the reporting agency has broken numerous of my federal laws and i want it rectified this has hindering me for years and i am prepared to due in federal court i have my papers waiting to file.
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 XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}
Product: Credit card

On XX/XX/year>, balance transfer {$2400.00} with fee {$120.00}. Min Pay {$26.00} due XX/XX/year>, paid {$120.00} on XX/XX/year>, late few days. {$26.00} late fee charged XX/XX/year> as a " purchase ''. XX/XX/year> called asked for late fee to be waived. Min Pay due {$51.00} paid XX/XX/year>. Then paid {$50.00} XX/XX/year> and {$50.00} XX/XX/year>. Late fee {$26.00} was removed XX/XX/year> as " Other Credits ''. ( This is where the problem starts, instead of reverse as Late Fee against " Purchase '' category ). 

Now they start charging " minimum interest '' fee {$1.00} for a PURCHASE BALANCE {$4.00}? here NEVER was a purchase on this card for XXXX. The card was XXXX  balance beginning XXXX. 

This continued, so Customer Service was called many times, the {$1.00} continues with unusual balances under purchases of {$4.00} ; {$.00} ; {$.00} ; {$.00} ; {$.00} ; Payments were {$51.00}, greater than {$25.00} minimum. We continued to call Customer Service, and tried paying the {$51.00} to get rid of this {$1.00} minimum, no changes. On XX/XX/year> all the pennies  and {$1.00} charges removed... THEN the account continued to charge the {$1.00}. So filed a XXXX Complaint, received a letter from them dated XX/XX/XXXX, investigating ; then another letter dated XX/XX/XXXX, investigating ; AND THE CHARGE OF {$1.00} continues. 

Imagine how many customers if they have a late fee, it's coded as a " purchase '', then reversed as a " credit '' but still shows as a purchase and continues to add {$1.00} to accounts? Yes, XXXX  perhaps. 

So today, some guy from the bank calls, refuses to give his full name, badge, ID but wants to say that they are fixing it, and we only owe XXXX CENTS... ..and the next payment we will have paid it. WOW... .totally wrong.
Product: Money transfer, virtual currency, or money service

Fraud incident with-out resolution CFPB incident no XXXX PayPal was payment acceptor for goods or services XXXX XXXX XXXX XXXX WAS THE FRAUDULENT MERCHANT XXXX. This Incident was reported to The United States Government Postal Inspectors Generals Offices whom did a combined investigation with the Local XXXX XXXX  Post Office incident No XXXX. Upon further review of investigation. XXXX XXXX Contacted me VIA cell phone to inform me that my transaction was a fraud scam these individuals stole other peoples tracking numbers- gave me some one else number which shows an item was sent to my City but not my address nor was it the item I paid for. I live at XXXX XXXX XXXX. The item was sent to XXXX XXXX XXXX. 

Investigation conclusions- The Merchant PayPal conducted business with was a fraud according to the United States Government Inspector Generals Office and Local XXXX Post office
Product: Checking or savings account

They closed my account because of a XXXX XXXXXXXX balance only after 90 days. My royalty payments hasnt started to deposit yet. They also had no reason to close my previous business account I had with them. They closed it because I deposited a non-voided royalty check & they deducted the check the same day I deposited it after spending {$800.00}. They put my account in the- $ XXXX. Then had the nerve to send me a check for my remaining balance that I didnt spend a year & a few months later for $ XXXX. Then when I opened my second chance account Idek where the - {$19.00} charge came from, I shouldnt even be able to overdraft a second chance account. At least thats what their terms says. The whole issue with Chase is just crazy.
Product: Checking or savings account

I received a targeted offer to open a Citi Priority Checking account with the Member AA Miles Checking Offer. The account was opened on XX/XX/XXXX and I received a " Congratulations '' email on XX/XX/XXXX to confirm my enrollment in the offer. To earn the AAdvantage bonus miles of XXXX with a Citi Priority account, I had completed the {$750.00} in Qualifying Citibank Debit or ATM Card Purchases and made 1 or more Qualifying Bill Payments for 2 consecutive calendar months. The bonus should have been credited to my account within 30 calendar dats of the date I completed all required activities so long as my account remained open and in good standing until I received the bonus. I completed the outlined activities by XX/XX/XXXX by spending $ XXXX with my Citi Priority Debit or ATM Card and XX/XX/XXXX I made the second consecutive Qualifying Bill Payment. I contacted support over the phone in XXXX to check on the status of my bonus- as 30 days had elapsed since the completion date of XX/XX/XXXX - I was told that I should expect the bonus to post 60 days after the end of the promotional period. The promotional window was for 60 days, which would mean if I opened my account on XX/XX/XXXX the 60 day period would end on XX/XX/XXXX and allow 60 days processing time to target roughly XX/XX/XXXX. I patiently waited until well after the estimated timeframe and reached out to Citi bank via their secure chat feature on XX/XX/XXXX. I had a very pleasant experience with a representative who confirmed I met the qualifying activity and they would submit a request to have it investigated and credited to my account. I was told to expect a response via the secure message center within 5 business days. I most recently reached out to Citi via the secure chat function on XX/XX/XXXX and asked about a status update. I was told that it was a different department and that I would be contacted when they have completed the investigation with no timeline given on when to expect a response ( at this point I'm guessing much more than 5 business days ). Given my patience and persistent attempts to get a resolution from Citi Bank, I am filing this complaint as the bonus offer was not fulfilled on their end per their advertising.
Product: Credit reporting or other personal consumer reports

ISNT MINE DELETE PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a fraud alert from my credit card company XXXX on XXXX.I immediately locked the card from my mobile phone to block further charges and called their fraud contact number regarding an UNAUTHORIZED transaction charged from the XXXX XXXX XXXX XXXX on XX/XX/2021 while I was at a XXXX location in Florida, U.S.A. I do not live in the XXXX and was not there when the transaction was made. 

I was told that I would not be responsible for the transaction and that the card would be cancelled and a new card was shipped to me. 

Upon receiving the new card on XX/XX/2021, I noticed that the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} were still showing in my statement balance. I did not activate the new card and immediately called the BBVA fraud number again. I was told that the transaction was on the previously cancelled card and the new card was not compromised. The customer representative told me that he filed a dispute for the UNAUTHORIZED transaction and an investigation would be conducted but meanwhile, he said that he has removed the transaction from my account. He gave me a case number ( XXXX ). 

Today on XX/XX/2021, I am still seeing both the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} in my statement balance with payment due XX/XX/2021. I immediately called the BBVA customer service again and the representative said that the investigation is still on-going and I don't need to make any payment when due but she said that she can not remove the transaction from my balance. These are the only transactions on the card for this statement cycle and the statement balance. 
My concern is that, since the transaction is going to take longer than 45 days, if I do not make the payment when due, I would be charged a late fee and reported to the credit bureau. I did not receive any formal email or letter about the investigation. 

It is unfair to acknowledge that the charge was a fraud and refuse to remove it from my statement balance. I need help from the consumer financial protection bureau to intervene to remove the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} from my statement balance before the card payment is due on XX/XX/2021. 

Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account : 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

I contacted XXXX on XX/XX/2016 to request a letter to send to XXXX to confirm that XXXX accounts that we had paid in full to XXXX were paid in full and their was not a current dispute that they were showing for these accounts. XXXX themselves were not showing that information regarding these accounts were reporting correctly. XXXX refused to provide any such letter or proof to either myself or XXXX to try to get the issue resolved. They claimed that they had reported correctly and they will again update it with XXXX and that " we would just have to wait ''. The employee with XXXX claimed that she was the only supervisor and that she had spoken with her legal department that verified that they would not and could not provide any such documentation that the accounts had been paid and resolved to either me the person whose request by XXXX to have a letter with their name information the account numbers and notification that the debt had been paid and verification that there were no open disputes.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I filed all the necessary documents with EXPERIAN to have these fraudulent accounts removed and they were however 1 reappeared ( XXXXXXXX XXXX  ). 15 USC 1681 C-2 states a block maybe rescinded or declined for 1 of 3 reasons 1 ) the blocked was placed in error 2 ) misrepresentation of material fact by the consumer relevenat to the the request to block 3 ) the consumer obtained goods services or money as a result of the block. EXPERIAN has acknowledged they received no documentation from the creditor rather the creditor just reinserted the account. The FCRA has said explicitly this is not sufficient. There needs to be an investigation to ensure completeness and accuracy. 15 USC 1681i states, a notice that if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency not later than 15 days
Product: Credit reporting or other personal consumer reports

I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account NumberXXXX. XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information, including [ describe any specific inaccuracies, such as incorrect balance, payment history discrepancies, or disputed charges ]. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribed to a credit monitoring service through Experian. I have decided I would like to cancel the service. 

Following their prescribed procedure, I called the XXXX number and followed the prompts, which include entering my Social Security Number, ZIP code, numerical portion of my address, and my date of birth. The system then announced " you do not have a subscription with us. Goodbye '' and ended the call. 

I have called back several times and tried to reach an actual person. Their system appears to be impervious to such attempts. 

How can I stop them from taking my money every month? I see no way to do so.
Product: Credit reporting or other personal consumer reports

CKS PRIME INVESTMENTS Address : XXXXXXXX XXXX XXXX NJ XXXX XXXX Account # XXXX Request the immediate removal of the account # XXXX from my credit report. This account is falsely reported and does not belong to me. 
I have no knowledge of this account and dispute its validity. 
This false reporting has adversely affected my credit score and financial standing. 
I kindly request the CFPB to investigate this matter and assist in the validation of this debt. If it is determined that the debt is not valid, I ask that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 


And this account have no proof of accuracy and no proof of Validation and the amount of this debt not is mine. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home. 

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  - Equifax XXXX Equifax XXXX - Equifax XXXX - Equifax
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and incomplete information in my credit report. Despite my repeated efforts to resolve these issues, inaccuracies remain, significantly impacting my financial well-being. My experience aligns with the systemic issues identified in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. 8:25-cv-24 ).

Specifically, I believe Experian has failed to : 1. Accurately reinvestigate the information I disputed.

2. Convey my supporting documentation and dispute details to furnishers.

3. Ensure the accuracy of the information in my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. XXXX XXXX  is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years. 

This account is an adverse item they are reporting again without my permission which is against the law. 
15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. 
Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.