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

I called to inform the credit bureaus about inaccurate inquiries as a result of I never I authorized them. This was in XXXX and I also sent my last letter on XX/XX/2020. Someone had to use my name so I reported them to the burueas ( XXXX, Equifax, and XXXX ) .I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted all 3 burueas on multiple occasions through phone and letters. The original creditor sent notices to all 3 burueas about this should be removed from my report because I never authorized this and but it still remains on the report. This matter is serious but i am being taking advantage of and my consumer rights are being violated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had my chase account hacked and a {$1000.00} payment was sent thru XXXX to someone I have no idea about. Chase initially helped me with it, but they denied the claim for citing 3 reasons ( no password change, device had logged in multiple times and IP was local-but it was not my computers ip ). 

As this is clearly FRAUD I should be 100 % covered, but they state that there is no appeal to their investigation ... no matter how flawed it may be. 

I see a LOT of fraud stores about XXXX, you would think that the banks would be smart enough to prevent fraud like this or have some sort of a safeguard in place. If not they should refund any stolen $ 's.
Product: Credit card or prepaid card

The CITI CARDS CBNA with account number XXXX appears to be a charge-off account with a specific balance of {$430.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX Bureaus. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Debt collection

XXXX  took funds out of my Bank of America joint checking account they stole XXXX. Dollars and XXXX saying they have a garnishment against me we had just gotten our social Security monies and had some money from insurance payment to fix my house after surviving Hurricane Ian I filed a complaint with Bank of America they released half of the funds but not the insurance or my husband 's social security money they also charged me {$120.00} Legal fee they never served me with anything they hacked my Bank account and Bank of America let them I've had this account over 20 years thought Bank of America was a reliable company I guess I was very wrong
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text from Citibank as follows Did you make a wire transfer for XXXX from acct ending XXXX on XXXX? Yes=1, No=2 or call XXXX. Reply STOP to Opt-Out I called the number as soon as I read the text. I spoke to someone named XXXX XXXX who said the money was already transferred and there was nothing she could do. She gave me the number to the fraud department. I asked if she could tell me what bank the money was transferred to. She told me the money went to a XXXX XXXX XXXX  account # XXXX in the name of XXXX XXXX. I told her I didnt know anyone by that name. She gave me a claim number XXXX and told me I needed to go to my Citibank branch at XXXX XXXX XXXX to file an affidavit of forgery. I filed the affidavit of forgery as I was instructed to and expected that my funds would be returned to me but instead, I got a letter of denial stating the decision was based on You did not take adequate steps to safeguard your account information and directly contributed to allowing the transaction ( s ) in question to take place After this initial denial, I filed 2 more claims and got the same response. At this time, I simply want my funds returned to me. I have worked hard over the years to save this money and now it was all just taken from me and I now have to wonder about my bills and other commitments being paid this emergency fund just vanished because they did not protect my funds ; no one called me when such a large transfer was initiated from my account. Of note, on XX/XX/XXXX there was an attempt to transfer XXXX from my account and that transaction was aborted since I didnt verify information that was requested on the phone when someone called saying they were calling from Citibank . I called the Fraud Department today XX/XX/XXXX and the person with whom i started a conversation hung up the phone on me. I have been to the branch several times and no one has done anything to return my money to me. It is almost impossible to speak to a live fraud investigator. I have gone to the police but I was told this is not a matter they can investigate. I need your help to get my money returned to me. I have worked many years laboring hard to earn and save this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is listing my account status for my XXXX XXXX account incorrectly across all three bureaus. They are listing my account as an installment loan to Equifax as 120 days late and listing my account to XXXX as " PAST DUE LATE 90 DAYS ''. They need to correct this and list my account type as REVOLVING not a installment loan. They need to update my payment status to PAID AND CURRENT. They are still reporting incorrect information! This account was paid and closed in XX/XX/2019 and all 3 bureaus need to be notified right away!
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccuracies regarding the bankruptcy being reported on my credit file. The case that you have marked as valid and accurate is, in fact, incorrect. There has been no case brought to trial or adjudicated upon. There is no record of any judgment associated with this matter. Without a judgment, it is evident that no case existed. There was never a judicial review of this matter, so the reporting of such is erroneous. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I urge you to promptly remove this account from my credit file. Failure to do so, without proper verification of the information, will necessitate legal action. I have already consulted with my attorney regarding this issue, and if the misinformation is not rectified within 30 days of this correspondence, legal proceedings will be initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I dispute the Bankruptcy on my Transunion consumer credit report. And result from Transunion reinvestigation concluded that the Bankruptcy was accurate will remain on my consumer report XX/XX/XXXX. Transunion didn't send me proof of their reinvestigation. File # XXXX. For anything to be reported/furnished on my consumer credit report, I must give my written instruction per 15 U.S. Code 1681b. and I didn't not give Transunion my written instruction & Transunion violate my privacy.. Bankruptcy is public record BUT, I did not give Transunion my written instruction. And U.S. Bankruptcy court doesn't not furnish any records to credit reporting agencies ( see the attached letter from the Bankruptcy court ) here is the violations : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681e - Compliance procedures ( 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.

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
Product: Credit card or prepaid card

On XX/XX/2022 I sent a letter as a consumer to CapitalOne submitting a billing error dispute. Upon receipt of the letter on XX/XX/XXXX CapitalOne closed my account. I called CapitalOne to inquire about why my card was closed and they stated that I asked for a refund of previously made payments which is against there card agreement. I asked for them to send a copy of this card agreement and they declined stating they did not have to. I stated how can I agree to something that I have not confirmed receipt of and you wont provide for me to view. I completed a attorney general complaint as well. CapitalOne violated 12 CFR 1026.13d ( 3 ) They closed my account without investigation and it was directly related to the letter I sent for billing error resolution.I remained in honor and paid the amount on the account as it continued to incur interest.

Then later reported to the consumer reporting agencies different reasons other than that it was related to a request for billing error resolution. That constitutes fraudulent and deceptive business practices. This closure of my extension of credit greatly impacted my credit score.
Product: Credit card

I received an email from Best Buy earlier this month stating that a credit card account was opened in my name. I have received an influx of spam in my email account so i disregarded it and reported it as SPAM on XX/XX/year>. Today, XX/XX/year>, I received an email from XXXX XXXX stating that I opened up a new credit card account. Once I read the email, I immediately called Best Buy and made them aware of the fraudulent transaction.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX made a purchase {$9.00} for XXXX and three other purchases prior to XX/XX/XXXX. All purchases posted to the account. Make one transaction to a grocery on the XXXX resulting in a negative balance and on the XXXX Wells Fargo rearranges multiple transactions and revert them back to pending from the XXXX and XXXX to incur the largest amount of overdraft fees possible. Only covering the largest purchase of {$61.00} despite the other purchases being listed as posted transactions prior. Ending daily balances does not reflect the actual daily balance of that day since it gets later changed because of instances like this. Hard to prove even with reciepts because of this fact.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I paid for to reserve a room via XXXX Two days later I received a refund from the host because she cancelled my reservations. 
PayPal received the amount of {$130.00}. My bank account still does not show the funds returned to my account.

These are are " floated '' to maximise profits for Pay Pal. Pay Pal 's that I " must allow 3-5 days from the funds to return to my XXXX checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX & XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Money transfer, virtual currency, or money service

From XXXX through XXXX, There were unauthorized electronic payments and transfers to various Banks created through Optum XXXX using my Business Tax ID, Group XXXX and Individual XXXX Numbers as a XXXX XXXX XXXX
Product: Credit card

Comenity capital bank calls me constantly all day every single day. I had asked if I could move my payment date 4 months ago, I have never been late. I had found my best friend XXXX XXXX XXXX XXXX and had to take some time off work because I kept seeing her XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They said no. I have atleast 20-30 numbers blocked because the calls go from early morning to late at night.
Product: Credit reporting or other personal consumer reports

METHOD OF VERIFICATION REASON : This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.. '' I don't agree with the results of your investigation.Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 30 days of receipt of this letter. 15 USC 1681e ( b ) - Accuracy of Reports 15 USC 1681s-2 ( b ) - Responsibilities of Furnishers. Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I had my credit run by Barclays in early XXXX to do with a personal loan offer attached to my credit card. I completed all documentation and submitted the application of which was accepted. When it came time to accept it my end the online portal did not work and the overseas call center said they would address it and someone would contact me, they told me that I need not be concerned and the offer would remain valid. 1 month later after contacting Barclays numerous times no one knew what to do, finally I get an online acknowledgement of which I accepted in XXXX and the loan was validated, accept they ran my credit again without me granting permission and now I have 2 inquiries back to back of which I want 1 removed. Barclays refuses to address this when I call and I cant reach anyone who wants to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions.

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit experian report : XX/XX/2018, XX/XX/2018, XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion for their persistent inability to process my dispute requests online and their failure to correct inaccuracies on my credit report within the legally mandated timeframe. 

Despite numerous attempts to submit my dispute requests through TransUnions online platform, I have been thwarted every time. These issues have persisted over several months, with multiple follow-ups and repeated attempts to resolve the matter proving entirely ineffective. The online submission process consistently fails, preventing me from addressing significant inaccuracies in my credit report. 

Furthermore, TransUnion has failed to adhere to the 30-day deadline for investigating and correcting disputed items on my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ). This prolonged delay in resolving inaccuracies has caused significant distress and inconvenience, potentially impacting my financial standing and opportunities. 

The inability to utilize the online dispute process and the extended delays in correcting my credit report are unacceptable and indicate systemic issues within TransUnions handling of consumer disputes. I urge the Consumer Financial Protection Bureau to take immediate action to address these concerns and ensure TransUnion complies with all relevant regulations and standards. 

Given the gravity of this situation, I request the CFPB to investigate TransUnions practices, enforce compliance with the FCRA, and provide guidance on how I can ensure my dispute requests are properly processed and resolved. 

Thank you for your attention to this urgent matter. I look forward to your prompt and effective response.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX  These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : 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 reporting, credit repair services, or other personal consumer reports

I paid my car loan off in XX/XX/2022. My account is reported to the credit reporting agencies on the XXXX of each month. The bank is still reporting this account as owing over {$9000.00} which is incorrect. I have requested that the update their reporting and have heard nothing from them.