23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Violated my rights.

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 general, 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 supposed 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau XXXX Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Closed Account Still Impacting Credit Score The account is marked as " Closed at credit grantors request, " despite never having any late payments. This could mislead lenders and impact my creditworthiness unfairly, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
2. Unverified Account Closure Reason There is no documented proof that this account was closed at the credit grantors request rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

1. 3. 


Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters with this complaint. 

First of all - both Experian and XXXX failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called TransUnion about my TransUnion CreditView credit score. The credit balance they had listed for me, and what determines my credit score, was incorrect. They said the credit balance on XX/XX/XXXX was {$3500.00}. I had paid that balance on XX/XX/XXXX. 

I called TransUnion to tell them their current credit balance was incorrect and told them what the XX/XX/XXXX credit balance was, which was {$14.00}. They took offense when I told them their current balance was incorrect. They insisted the current balance of {$3500.00} was not incorrect. Over and over we went about this with TransUnion taking offense when I said the current balance they had was incorrect. It was annoying to talk with the TransUnion agent due to her behavior and comments. 

I asked TransUnion where they got the {$3500.00} current balance from, and was told that was what my credit card company told them. I asked when they were told that was my current balance. TransUnion said they were told on XX/XX/XXXX by the credit card company. So that was that, and it appears TransUnion isn't going to do anything. 

XX/XX/XXXX I checked my credit score using XXXX. For XX/XX/XXXX XXXX had my credit balance at {$110.00}. This is correct as this was my balance on XX/XX/XXXX. 

Now these are apples and orange comparisons. XXXX 's XXXX credit history is up to date as it uses XXXX 's data. TransUnion 's XXXX credit history is supposedly based on XXXX data. 

Why I compared two credit agencies was to check if my credit card company was providing bad data. It appears not, as the XXXX data from the credit card company is correct. The problem appears to be with TransUnion, even though the TransUnion agent blamed the credit card company for the current balance number. 

TransUnion runs a credit score monthly and I get a notification when they do so. But TransUnion doesn't ask the credit card company monthly what the credit balance currently is? How can anyone trust TransUnion 's credit score? 

Is the credit card company- in this case XXXX - required to give out an accurate credit balance to TransUnion, or some sort of balance whenever XXXX feels like it? 

Shouldn't TransUnion have to listen to people who tell them about an inaccuracy in their credit history, and not blow off those people when they do so?
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$190.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00}
Product: Credit card or prepaid card

see attatched FTC ID THEFT case XXXX I AM A VICTIM OF IDENINITY THEFT REPORTED TO USAA XX/XX/XXXX, XXXX see attatched usaa FRAUD CLAIM LETTER dated XX/XX/XXXX. I just got usaa credits for this fraud of XX/XX/XXXX. XX/XX/XXXX. TWO YEARS LATE!! XX/XX/XXXX spoke to XXXX of ID THEFT TEAM at usaa. He claims usaa is ( ** UNABLE to provide WRITTEN DOCUMENTATION WHO PLACED THE SAME UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} XXXX.?? HUH?? A BANK DOES NOT HAVE POSTING MERCHANT INFORMATION?? SORRY I DO NOT BELIEVE THIS XXXX. USAA IS NEVER HONEST. AGAIN USAA, WHO PLACED THE UNAUTHORIZED TRANSACTIONS THAT APPEAR ON STATEMENT AS XXXX CHARGES XX/XX/XXXX {$470.00} XXXX CONFIRMS XXXX DID NOT. PLEASE SEND VERIFYING DOCUMENTS TO MY HOME ADDRESS. I HAVE NO ACCESS TO THIS ACCOUNT. THANK YOU.
Product: Credit card or prepaid card

I used the Chase XXXX XXXX program to book a round-trip flight for {$1700.00} on XX/XX/XXXX, leaving on XX/XX/XXXX and returning on XX/XX/XXXX. On XX/XX/XXXX, I called Chase to have the outbound flight changed to XX/XX/XXXX, and was charged {$1900.00} for the fare difference plus change fee. 

Upon arriving at the airport and trying to check-in, I was informed that my ticket was cancelled. I had to purchase the same ticket directly from the airline last-minute for an additional {$10000.00}, which I paid for using the same Chase credit card which I used to book the flight previously, assuming that this was an error on Chase 's XXXX and that I would be reimbursed for the additional cost of re-booking the flight last minute. 

I called Chase XXXX XXXX  customer service twice on XX/XX/XXXX, explained my issue, was put on hold and ultimately hung-up on with no resolution. I called twice again on XX/XX/XXXX, and spoke to a customer service representative who verified that this cancellation was an error on Chase 's end, that I would be reimbursed for the {$10000.00}, and that my return flight was not also accidentally cancelled. 

I called on XX/XX/XXXX to verify the status of the reimbursement, and double-check the validity of my return ticket to avoid the same issue since I was unable to check-in online, and because my trip was showing up as cancelled on Chase XXXX XXXX  website. The customer service representative confirmed that my reimbursement request was approved and that it would take XXXX billing cycles to show up, and that my return ticket was likely still valid. The representative proceeded to inquire with the airline directly, and promised to email me the confirmation of my return ticket, but did not do so. 

I called again on XX/XX/XXXX to once again confirm the validity of my return ticket, at which point I was informed that the return ticket was cancelled. I proceeded to book the return flight directly with the airline for an additional {$3300.00}, using the same credit card. 

On XX/XX/XXXX, I called again to get the {$3300.00} reimbursed as well. After being hung-up on the first time, the second time I was informed that they were unable to reimburse this amount, and that this time they were unable to verify the status of my original reimbursement. At further insistence, I was informed that they would escalate this to the accounting department, but with no way to track the request and an estiamted callback date that was after the billing cycle during which the payment would be due.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Credit card or prepaid card

American Express account customer for 23 years. Offered a Platinum American Express product through my online account. Card and details sent to my secondary address for consideration. Never activated card and refused offer. American Express charged the account an annual {$690.00} fee. I spoke with customer service explaining that I did not agree to the account terms and did not want the account, that's why I never activated the card and obviously never made any charges to the account because I had no intention of using the product. 

I was told that I would be charged the annual fee for the card and owed the {$690.00} fee regardless. I explained that I was and never intended to use the product and that my inactivity and lack of card activation revealed my intentions. Because 30 days had expired, they explained I missed the window to reject the offer. I never agreed to the card in the first place, and after 30 days of not activating the card, that should be an indication of my intention to not use the service. This also provides protection for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

National recovery agency filed a collection on my credit report for a debt that is not mine. I informed them i had no knowledge of the debt and verified with my bank that no deposits or accounts existed with National Recovery or XXXX XXXX or any of their partners. I filed a police report in XXXX KS XXXX number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSWORLD SYSTEM INCXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX The company promise to paid to delete which it shows and they still have not done so. I've called them on XX/XX/XXXX asking about it and she said they can't find where it was mention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX ,  XXXX , and Experian.   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately.  XXXX  removed the inaccuracies a week later but did not increase my credit score appropriat ely. Experian wo uld not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for Experian to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 <P/>  I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 <P/> I w ould like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against  XXXX  and Experian refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was informed on XXXX XXXX that I owed a debt to XXXX never did business with XXXX No understanding of what I had to pay for because its not me I would assume that if I had a debt somebody would call me on the phone or write me a letter which none was just that showed up on my credit report trying to Collect a debt on my credit report
Product: Debt collection

National Credit Systems  #  XXXX  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX , ) (  XXXX  )  XXXX  ) Placed Collection Balance {$1000.00} dated  XXXX / XXXX / 2017  Creditors where the   XXXX   XXXX   XXXX   XXXX   XXXX   I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair
Product: Debt collection

I have disputed this account for over 2 years, I have requested several times for this company to send me proof that this is my account, I have contacted the bureaus and disputed over the phone, I was told I cant dispute this account and I have had times that the dispute had started over right before the 30 days, I have requested and sent my I.D to them front and back, I was told they will not accept my old police report and it expired, I have been a victim since XXXX. I mailed letters to all XXXX bureaus and XXXX said they never received them, they are reporting on XXXX ONLY and still says open, this is a payday loan and was sold and I have not received any proof as of today, I cant get this resolved through the XXXX XXXX and I have sent them a new police report and they still not following the guidelines.
Product: Credit reporting

Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? XXXX XXXX, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?
Product: Credit card or prepaid card

I had a payment schedule with Citibank for my general purpose credit card scheduled for an amount of {$300.00} on XXXX and received a confirmation email on XXXX stating this is the amount that would be drawn. Citibank drew the full statement balance for {$5700.00} from my account on XXXX without authorization. Citibank posted this as a payment to my statement even though the financial institution who holds my checking account declined the transaction as it would have significantly overdrawn my account. They have charged me a returned check fee of {$30.00} and have sense removed access from the card. I contacted Citibank on XXXX through their online chat and the agent was not helpful and said I can only resolve the issue by calling the bank myself. I then called the bank to address with them their error that was made and asked them if it is legal for them to draw an amount greater than what was authorized and confirmed through email by them ; to which no agent would answer. I demanded they supply to me a copy of the terms of agreement of my auto pay to review. After being transferred multiple times and being placed on hold multiple times as well. I finally ended with an agent named XXXX XXXX employee # XXXX ) who told me he was unable to provide me with the terms and conditions of this agreement. I bluntly asked him if a financial service provider is legally required to provide the terms and conditions of a contract to the consumer upon request and he would not answer the question. I told him that we both know the answer to the question is undoubtably yes and it is clearly stated on the CFPB website that this is a requirement. Ultimately I spent over an hour on the phone with Citibank, who has given me no answer to why they charged a significantly greater amount than what was unauthorized and Citibank has refused to provide me with a copy of the terms and agreements I accepted when enrolling in their autopayment program.
Product: Debt collection

A debt collection Agency left a message at my work identifying themselves as a debt collector.