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

TransUnion has failed to fulfill its legal obligation to conduct a reasonable reinvestigation of disputed information on my credit report under the Fair Credit Reporting Act ( FCRA ), leaving inaccurate or unverifiable accounts unresolved. TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX3 XXXX XXXX XXXX inquiry date : XXXX 4. XXXX inquiry date:XX/XX/XXXX
Product: Credit card

Someone using my identity open credit card account at Capital One early in 2024. I did not know this fraud activity until Capital One sending me collecting letter. I filed police report in XX/XX/2024 at my local police station ( XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX record phone : XXXX ) and also filed fraud report to Capital One several times. Capital One case number : XXXX. 

I have been notified by Capital One that " activity on the account indicates I opened and interacted with this account ''. Since this account was opened by someone else stole my ID, I had never tried to open or interact with Capital One at all. My Identity was stolen and many attempts were made to open credit cards. It is only CapitalOne that denies my consumer fraud claim. I need them to fix my credit report.
Product: Debt collection

XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. 

XXXX apartments sent account to the collection agency National credit System XX/XX/XXXX for the amount of {$2300.00}. 
I tried to contact National credit System XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

I am a Banana Republic credit card holder. I am disputing the total amount of {$190.00}. I made a hotel reservation for XXXX XXXX XXXX in XXXX, WI, through XXXX on XX/XX/XXXX, for two nights for {$190.00} using my Banana Republic credit card. When I arrived at the hotel, I was informed of an issue with XXXX credit card ; therefore, the hotel could not check me in. I called XXXX to tell them of the issues. I was instructed by XXXX customer representative on the phone to cancel the booking for a full refund from XXXX and to book directly through the hotel since she did not have the authorization to clear their credit card issue that evening. I was told it would take 24 hours before the issue could be cleared. As a result, I canceled the booking with XXXX and booked one night directly with the hotel ( XXXX XXXX XXXX charged me on XXXX XXXX for {$120.00} ). However, after the event, XXXX only refunded me half of the price I paid for the booking ( {$99.00} ). When I called them requesting a full refund, I was informed that they could not refund me the total amount because the hotel did not cancel my reservation. I submitted the hotel 's documentation showing that my reservation was canceled, yet they still would not refund me my total amount. As a result, I disputed the charges with my credit card. When I called my credit card on XX/XX/XXXX, to dispute the charges, I was informed that I should only dispute {$95.00} since I was already refunded the {$99.00}, for a total of {$190.00}. After going through the credit card dispute process, they failed to refund me the disputed amount ( {$95.00} ). When I called again, they informed me to write an appeal letter to reopen the case. I sent the letter on XXXX XXXX, XXXX, and have not received a response.
Product: Credit card

On XXXX XXXX, 2024 I accidently made a payment to my husband 's Home Depot credit card that did not have a balance on it. His name is on the card, his last name is different than mine. By the time I realized my mistake it was too late to cancel the payment. I called the number on the back of the card and was told that there was not an account with that number. I have the card with the number. The card is issued by Citi Bank. I was given an address to write to and I included a copy of the card and the card number. They still say there is no account with that number. The money, XXXX, was taken out of our checking account and my bank said that they can't do anything about it.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXXXXXX XXXX  XXXX XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDUCATION/XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by BANK OF AMERICA. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that BANK OF AMERICA does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional XXXXnjury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXXXXXX number XXXX ( CLOSED ACCOUNT ) payment late and charge off year XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

The credit reporting agency has failed to provide a method of verification that includes a clear and detailed explanation of how they continue to update inaccurate information as " verified. '' This lack of transparency raises concerns about the accuracy and legitimacy of their verification process.
Product: Credit card

I am writing to express my frustration with the issues I am currently facing with a hotel reservation I booked through the US Bank travel portal. 

Recently, US Bank canceled my credit card. As a result, I no longer have access to the travel portal, which is preventing me from modifying or canceling my existing hotel reservation. This has caused me significant inconvenience, as I am unable to manage my booking or cancel it as needed. 

I am requesting that US Bank take immediate action to cancel my hotel reservation and provide me with a full refund. The Trip ID associated with this reservation is XXXX. 

This situation has been both frustrating and disruptive, and I expect that US Bank will address this issue promptly. Please confirm that the reservation has been canceled and the refund has been processed as soon as possible. 

Thank you for your attention to this matter. I look forward to a quick resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters, called the bureaus, and sent in previous CFPB complaints regarding these hard inquiries. The dates that are associated with these inquiries I DO NOT recognize. I believe someone is attempting to open accounts under my name. The following hard inquiries I need them to be taken off. By law, these entities are supposed to be reporting accurate information. My reputation is being soiled and it is making it extremely difficult to apply for an apartment. I am being disrespected and my rights are being violated as a consumer. XX/XX/22 XXXX XXXX XXXX ( XXXX ) XX/XX/22 XXXX XXXX XXXX  XXXX XXXX TransUnion XXXX XX/XX/22 XXXX XXXX ( TransUnion XXXX XX/XX/22 XXXX XXXX XXXX ( TransUnion ) XX/XX/22 XXXX XXXX  ( XXXX ) XX/XX/22 XXXX ( XXXX ) XX/XX/22 XXXX ( XXXX ) XX/XX/22 XXXX ( XXXX ) I have submitted an identity theft report on my behalf to move this process into completion. I have also attached forms of identification in additional documents for the companies use.
Product: Credit reporting

EQUIFAX HAS VIOLATED FCRA VIA RE-INSERTION OF XXXX. XXXX SEVERALS WITHOUT 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.A.C.T.A. AND DODD-FRANK XXXX.
Product: Mortgage

My wife and I refinanced our mortgage for this property in XX/XX/XXXX. We set up online bill pay to automatically make payments to the loan account. We even added extra for principal to make an even $ XXXX  monthly payment. In XXXX of XXXX, I went to refinance a different property and learned that we both had a 90 day late on our credit reports that ruined both of our credit scores. Initially I had no idea who Shellpoint was, but I recognized the loan. I learned that XXXX XXXX XXXX sold off our loan to SHellpoint who was the new servisor. XXXX continued to take our checks that were sent via bill pay from our bank and never returned them to the bank as the bank never notified. I learned that SHellpoint ruined our credit scores and never received the payments from XXXX. When I learned this, I made complaints to Shellpoint and also made loan whole to this date. They refuse to remove the negative credit comments which killed our scores. I made several calls to Shellpoint and still have yet to hear and understand why they wont discuss this with me and fix our credit scores. One or the representatives admitted to me that they sent letters to the wrong address, yet they still wont make it right. Please assist us. 

Thanks XXXX and XXXX XXXX
Product: Credit card or prepaid card

I was the victim of a credit card scam XX/XX/2021, involving XXXX and Barclays. On XX/XX/XXXX, by registered mail, return receipt requested, I sent both companies the police report, screenshots of fraudulent computer interactions, and a narrative of my trauma, attached below. XXXX immediately removed the charges and cleared all debt, but Barclays continues to deny my claim. I had spoken with Barclays XX/XX/XXXX, XXXX ( XXXX ), XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX ). I received inconsistent, unclear information during these calls, and other times was kept on hold for up to 75 minutes and never spoke to anyone. On XX/XX/XXXX I received a letter from Barclays, dated XX/XX/XXXX, which denied my petition for dismissal of {$5700.00} in fraudulent charges, and stated I owed the original amount plus interest and penalty fees. Friday, XX/XX/XXXX I finally reached XXXX, who scheduled a call back for me and at XXXX XXXX. I spoke with XXXX who said by mistake they had scanned my documents but never forwarded them to a supervisor for review, that my case had been closed and was unable to be re-opened, but that she would send my information to a supervisor. XX/XX/XXXX I received a letter denying my claim. XX/XX/XXXX I filed complaints with XXXX, XXXX, FBI, FTC, and XXXX. On XX/XX/XXXX I received a barely intelligible voice mail from a woman with " the executive office at Barclays '' who said she would call me back, but has never followed up with me. I filed a complaint with the Louisiana Attorney General on XX/XX/XXXX. Today I received a billing notification from Barclays that I owe {$5900.00} by XX/XX/XXXX.
Product: Checking or savings account

I contacted the office of the comptoller of currency they investigated it and saw bank of America has been withholding funds from me from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  which has caused financial harm from not being able to pay my rent of XXXX  for four years I was diagnosed with XXXX XXXX so this is not helping me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The  company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

This is in response to previously filed CFPB complaints ID # XXXX ID # XXXX ID # XXXX The response your Agency provided stated that " XXXX Equifax/XXXX  has completed its investigation including contacting the Furnisher ... and that XXXX Equifax/XXXX  verified that the public information is reporting correctly '' consequently , I'd like to state that I contacted the XXXX XXXX XXXX XXXX in FL, where this bankrupcy XXXX  XXXX was filed and the court , the only reliable Furnisher in this instance, confirms that they DO NOT report to XXXX or any other Bureau for that matter. Therefore, your initial response verifying the item is either in error or a lie. 
Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 16811 ) and the infomation must be deleted immediately.
Product: Payday loan, title loan, or personal loan

I has been tried my patience to solve the issue which is the Santander bank used my {$370.00} installment monthly payment only applied for the interest for the past 4 months, non of it went to pay for the principle. I went to the bank and spoke to Rep. a few times, and also made phone calls including today, but the issue has not been handled at all. 

According to the monthly statement, about XXXX of the {$370.00} supposed to pay for the principle, but the bank used the whole {$370.00} only for the interest!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name - XXXX XXXX XXXX Account number- XXXX Account name-SELF FINANCIAL/LEAD BANK This account was disputed before and after payment to the collection agency with no problem being resolved. This account is being reported in error on multiple CRA 's. According to the FCRA 611 subsection A, Chapter 1 ; A bureau re-investigation is in order whenever a dispute is returned as validated without a correction being made. 
This account is being reported as having multiple late payments on the XXXX credit report, yet on XXXX as a collection it states this account never missed a payment. Then on XXXX, this account has multiple months of missed payments not being reported which according to the FCRA 611 ( 15 U.S.C. 1681I ) chapter 5 section A, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information if found to be inaccurate, incomplete or unverifiable it must be promptly removed.

According to 609 Disclosures to consumers [ 15 U.S.C. 1681g ], Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This account is not being reported accurately across all three CRA 's and asking for it to be promptly removed due to the length of time these inaccuracies have been reported.