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

Filed first dispute with Transunion on XX/XX/XXXX because XXXX XXXX  reported that I was 60 days or more late on a payment ( < {$10.00} ). This was incorrect - XXXX  made an error charging me fees on a closed and fully paid account- I contacted them, they removed the incorrect charges and assured they would report to credit bureaus I had no delinquent payments. I filed a dispute with Transunion and they closed the investigation XXXX stating the original ( delinquent payment ) information submitted by XXXX was correct. I reached back out to XXXX  using chat to get documentation stating that I should have NO LATE PAYMENTS reported - I screen-shotted this for documentation and filed a second dispute with Transunion XXXX and provided the screen shots, account information showing XXXX  removed the charges ( my report showed that I had paid the $ - I did not ), and details of first conversation with XXXX  with the agents name and location, and the date we spoke. Got results from the Trans dispute XX/XX/XXXX which shows " We investigated the information you disputed and updated : Date Updated; Original Charge-Off ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' No further details or explanations, and this jumbled jargon makes absolutely no sense to me. Nothing was changed on my report. I used the XXXX chat function on XX/XX/XXXX and spent nearly XXXX minutes seeking help to then be told the dispute results were confidential and they could not help me, and to file a new dispute. I called the XXXX number on XX/XX/XXXX and spent several minutes speaking, asking for someone who could explain the investigation results to me, and an agent told she could not help with that and to file a new dispute. Requested a supervisor. She said she could not help, I need to call the dispute department and gave me the same number to call that I had just called. Called again - waited for nearly XXXX minutes with no one taking the call. I had to get back to work. 

I filed disputes with XXXX and XXXX as well, and they also closed the investigations stating the info was confirmed as correct. I asked XXXX several times to provide me with documentation that shows what information was updated/corrected and sent to each credit bureau XXXX but they refused to provide vial email or snail mail. XXXX tells me to contact the credit bureaus. It is a viscous circle with no way to track information exchanged or get documentation to resolve. 

My credit score has been near XXXX for decades. This error, of less than {$10.00}, has caused my credit score to plummet to the mid XXXX. Transunion needs to be held accountable for their failure to properly investigate, to provide adequate information to me upon request, and having no means of communicating with the company after filing the dispute.
Product: Debt collection

I moved out of XXXX XXXX XXXX because of MOLD and infestation of roaches. I did not break my lease and I left the MOLD in the bathroom and refused to clean up anything. I have evidence with pictures. I contacted them and they refuse to tell me what the {$1100.00} charges are for. They added the same amount to my credit I called them since XXXX and they refuse to work with me and keep adding the account to lower my credit.
Product: Debt collection

This company continues to patronize and harass me as a third party collector for XXXX XXXXXXXX. I never received any debt validation letter stating that I owed the debt or verified the accuracy of this account. This company continues to send threatening letters regarding taking legal actions for a debt neither XXXX XXXX nor XXXX and XXXX have proved is owed.
Product: Credit reporting or other personal consumer reports

Demand for Removal of Inaccurate Public Record and Compliance with FCRA Regulations I am writing to formally demand the immediate REMOVAL of inaccurate public record information DELETED from my LexisNexis consumer report. After obtaining both my LexisNexis report and the related XXXX  report, I have identified significant discrepancies in the information provided by LexisNexis. Specifically, LexisNexis has reported inaccurate XXXX  information, which I have verified as incorrect through multiple sources. 

Additionally, a security freeze was placed on my LexisNexis account on XX/XX/2021, and I reside in Ohio. Despite this freeze, LexisNexis shared my information with credit bureaus without permissible reasons, which is a violation of your companys policies and mission. 

Violation of FCRA Section 607 ( b ) : LexisNexis has failed to maintain reasonable procedures to ensure the accuracy of consumer information, as evidenced by the inclusion of inaccurate public records in my report. 
Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : LexisNexis has failed to verify the accuracy of the disputed information, despite my previous request for investigation. 
Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : LexisNexis has reported inaccurate public record information, which is both misleading and harmful to my creditworthiness. 

1. Highlighted Discrepancies : A copy of my LexisNexis report with the inaccuracies clearly highlighted for your reference. 
2. XXXX Report : A copy of my PACER report, which contradicts the information reported by LexisNexis. 
3. XX/XX/XXXXXXXX XX/XX/XXXX: An official statement from the XX/XX/XXXXXXXX, confirming that they do not report any information to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to ABSOLUTE RESOLUTIONS and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : ABSOLUTE RESOLUTIONS/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card or prepaid card

Company : Capital One Spark Business Credit Card Dates : XX/XX/XXXX / XXXX XXXX charge Actions : Multiple calls since the following billing statement of the charge Capital One Response : XX/XX/XXXX - XXXX XXXX  credit to my account was denied. 

Description -- -- -- -- -- -- -- -- - Capital One has unfairly blurred the lines between their Business Spark Cash and Spark Miles card. As an example, when I visit the website for the Spark Cash Card ( https : //www.capitalone.com/small-business/credit-cards/spark-cash/ ) I scroll down to the link that says " See all card benefits. '' On the subsequent page, benefits are also shown for the Miles card, such as a " XXXX XXXX '' credit. This unexpected merging of features, that aren't included on both cards, should not be allowed. 

When clicking " See all card benefits '' for the Cash card, benefits for an entirely different card should not appear on the resulting page. This is EXTREMELY misleading and confusing to the consumer. 

Due to this misleading advertising, I was led to believe that my card included a XXXX XXXX credit. After signing up for XXXX XXXX and realizing I had not received a credit, I called Capital One only to be informed that my card did not include this feature ( so it was NOT part of the " all benefits '' that the website link claimed ). The manager agreed that the website was extremely confusing and submitted a claim for credit, but again the credit never appeared. I called in again, after the 1-2 billing cycles they said it might take for a credit, and they said my claim was denied. 

Capital One needs to clean up their misleading site and adjust their behavior when it's clear they are in the wrong. 
1 ) When clicking " See all benefits '' for a specific card, benefits for THAT CARD ONLY should appearnot a blend of cards.

2 ) They need to more clearly differentiate the " cash '' and " miles '' card. For instance, my plastic credit card doesn't say anywhere on the card which one I have, only " Spark. '' 3 ) When it's clear their design is causing consumer confusion ( something their manager openly admitted ), they should not be denying claims to remedy the subsequent mistakes ( such as my XXXX XXXX charge ) especially if they also are not changing their misleading advertising.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

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

A felony charge is showing up and counting against me negatively when it was adjudication withheld. It is the only background check that Ive ever received to actually causes all others do not.
Product: Credit card or prepaid card

XX/XX/XXXX we received 5/3 credit card statement with fraudulant charge -- account # XXXX. Called customer service to report. Dispute was resolved -- confirmation letter received and charge removed from next statement. However, a new card was to have been mailed to us on XX/XX/XXXX to receive in " XXXX business days ''. Card never received. XX/XX/XXXX we called customer service again. Replacement card ending in XXXX was to be deactivated and new card ending in XXXX was to be reissued that date. -- " allow XXXX business days to receive ''. XX/XX/XXXX card still not received. Called customer service and was instructed to " wait until XX/XX/XXXX as replacement card was actually mailed XXXX ''. If new card not received by XX/XX/XXXX, they would " expedite card ''. On XX/XX/XXXX replacement card still not received. Called again. Replacement card would be " expedited and should receive on XX/XX/XXXX or XX/XX/XXXX ''. On XX/XX/XXXX called service department once again. Representative quoted additional/different card # XXXX that had been activated/deactivated since XX/XX/XXXX. As of this date XX/XX/XXXX, NO replacement card has been received. We are VERY CONCERNED about all of these credit cards that have supposedly been issued and are floating around out there somewhere with our name on them.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no non of the alleged Debt nor therefore any such debt in fact exists. 

Present to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX Balance XXXX {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX  XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX
Product: Checking or savings account

Check number XXXX for the amount of {$1000.00} was paid by Bank of America on XX/XX/2022 and funds were debited from my account. 

The same check was again deducted from my account on XX/XX/XXXX. 

I escalated this transaction to a Bank of America manager identified as XXXX at XXXX ext XXXX on Wednesday, XXXX XXXX. We spoke for XXXX minutes. He reported this error and informed me that the funds would be reversed within 48 hours. 

I logged into online banking, checked the message center and found that this dispute has closed with no explanation and the fund still remain undeposited. 

There was no communication with the bank. I attempted to discuss this with a local branch but was told I would have to wait as they were busy and then I could make an appointment for next week so they could call the back office on my behalf. 

This is the problem with banks now. Branches are there to support users they are there to market banking products. Most banks in our area are temporarily closed. This isn't a one off situation. I have had similar experiences this year with Bank of America and XXXX XXXX. As a CEO of a startup, I depend on competency when it comes to banking. If you are unable to count on tellers providing hold times, ability to handle wires accurately and send funds out with correct SWIFT codes, to ability to only process checks once, etc. are basic competencies that must happen without errors. Unfortunately when talking to today 's performers, they are addicted to XXXX performance and our surprised when you actually know as much or more than they do. Sadly, I once was a Bank of America employee when we could actually make decisions at the office level. Those days are gone. I am closing my account and turning to a local bank where people can actually take care of you. Have an intelligent conversation and return phone calls. 

I want the funds redeposited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts reinserted by XXXX XXXX XXXX XXXXXXXX was deleted in XXXX and then reinserted without a 5 day notice in XXXX Removed again on XXXX XXXX XXXX. as you see in documents. 

XXXX XXXX XXXX was deleted in XXXX and then reinserted without 5 day notice i n XXXX. Removed again on XXXX XXXX XXXX as you see in documents. 

Reinserted for a 3rd time without 5 day reinsertion notice XXXX XXXX XXXX 

I wrote XXXX XXXX  a letter asking for proof of debt and showing it had been deleted prior. no reply for 5 weeks
Product: Debt collection

Barclay 's Bank Delaware has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collector failed to respond to serveral written request to validate alleged debt. Under the FCRA they must delete and removed if they can not provide proof of debt. After several failed attempts, company has refused to do so and has not responded to my request to do so. Also, they have repeatkey changed the account balance when the account is reporting as closed. Which is by law innacurate and rounds for removal
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX FIN XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian
Product: Prepaid card

XXXX XXXX XXXX Claim number : XXXX card ending in : XXXX Amount stolen : {$33000.00} Dates of unauthorized transactions or issues : XXXX of XXXX until XXXX of XXXX I have had my funds wrongfully withheld or stolen from my bank of America EDD account. 
Bank of America blatant negligence, failure to protect account holders and illegal freezing and denial of access to legally entitled unemployment benefits have caused severe financial harm to me since the pandemic. 
The recent California EDD lawsuit has proven that the bank of America knowingly failed its customers, and I am demanding a full reimbursement without further excuses, delays, or invasions. 
I filed one claim for card number ending in XXXX yet bank of America has split my claim into two seperate claims due to there error. All of the transaction was the same, there was not any bank to bank transfers, and only one card was used.

For the last three years Bank of America has convinced me that there was two different cards used to make the transactions on my account totaling {$34000.00} dollars when there was only one card used that was card ending in XXXX. 
I sent in photo I.D to prove to Bank of America that thief in images and or footages they may have was not me, I also filed a police report to report my Bank of America card was intercepted, I sent in a copy of my eviction notice to prove to Bank of America that they sent my funds to a address I was no longer residing at, and I also sent a copy of my current lease to prove where I was residing at the time they sent my funds.

Half of the funds was credited when all of the transactions was the same, there were no bank transfers, there was only one card used in these transactions, and the time frame was the same so why was only half of my funds returned. 
Bank of America has lied to and manipulated me as well as there policies by not doing a thorough investigation and lying and trying to convince stuff that is not true. 
Bank of America has already admitted their guilt in court for not properly handling each and everyone one of customers claims correctly in the lawsuit EDD versus Bank of America.