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

Pursuant to section 623 of the Fair Credit Reporting Act, a furnisher of information must comply with those procedures when furnishing to consumer reporting agencies. XXXX XXXX is NOT complying with the requirements stated in the Act as they are still reporting this information on my transunion credit report. This information was deleted on other consumer reports as it was unverifiable and inaccurate information. See attached exhibit. As stated in the FCRA section 623 ( b ) ( E ) ( ii ), this item of information MUST be deleted promptly.
Product: Credit reporting

When I requested for a credit report and score to know where I stand but nothing is showing up like I am deceased. I attempted to get the XXXX report but is showing no score at all, even the FIDC score as well. I recently requested for XXXX reports from Transunion and XXXX but it said they could not pull up a credit report. I find that very odd and that explains why my requests for loans were denied repeatedly.
Product: Credit reporting or other personal consumer reports

I found out that I have two evictions on my credit report which I have no knowledge about and it has been filed since 2017. I requested and provide all documentations to prove that shouldnt be on my consumer report, but it still hasnt changed and its preventing me from renting and getting credit insurance and more. Please help me investigate and delete all those false inaccurate information on my consumer report so that I can be able to rent a place to stay
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To whom it may concern Please ask XXXX XXXX XXXX, to provide the following information before you simply write its been Verified and close my complaint. 
this account needs to be validated first please ask them to provide you with a copy of the original contract bearing my signature that I signed for this debt. 
Need a copy of the payment history from the original creditor that clearly shows my payments with them. Also, they provide the name and address of the original creditor. 
Also, we need proof of ownership that XXXX XXXX XXXX have been assigned this debt. If they Decline to provide, please remove it from my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a VICTIM of their inquiry issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.
Product: Credit reporting or other personal consumer reports

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service.This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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

On XX/XX/year> I filed multiple disputes with experian that I had no knowledge of totaling {$7200.00}. Experian however did not properly investigate the disputes and I did not receive any information showing where these accounts were in fact my accounts. I ask the cfpb to hold experian responsible for and ask that the accounts be removed from my account immediately.
Product: Checking or savings account

XX/XX/2019 - Around XXXX called XXXX XXXX XXXX at XXXX to reestablish online access. Was given a very difficult time and the refused to verify me even after providing my drivers license number. I would have to call my CPA to get the tax ID number for the LLC and they would not verify the last two deposits even though i was holding the paper statement and reading it to them. The supervisor was less than helpful and despite verification of my drivers license still would not move the process forward. 

I am also being charged a maintenance fee when I have been trying to resolve a fraud claim and close this account. 

Statements for XXXX show more fraud debit card transactions but were never provided by the bank.
Product: Mortgage

Freedom Mortgage XXXX, TX XXXX XXXX Fixed rate impounded mtg. Escrow deficiencies more than satisfied on two different requests yet payment still went up claiming taxes and insurance went up. Well of course they did and I sent in more than you asked on both requests. Then they said it was for the safety margin and I said I would send more $ and they said they would refuse it. I will retire soon and I want to keep my payments as low as possible. If escrow is satisfied then payments should not go up, not one bit! 

My last contact with the Escrow Mgr or Supervisor at Freedom Mtg was approx XXXX.
Product: Debt collection

My apartment lease expired and I was on a month to month rental at XXXX XXXX XXXX XXXX XXXX, FL . I was informed to give a two week notice before end of month of vacating on XX/XX/2021. I gave a formal notice on the weekend XXXX weeks before the end of the month. However, the office closed early on Saturday, XX/XX/2021. Therefore, I hand carried and delivered the written notice on Monday, XX/XX/2021 to the assistant manager and she acknowledged receipt. Three days later I received an email stating she made a mistake and required 15 days notice and requested I stay another month and pay the following months rent. I informed them my formal notice could not be changed. I gave a {$200.00} deposit and was informed {$53.00} was deducted for repairs leaving a balance of {$140.00} owed me. However, in addition they charged me {$630.00} for not giving proper notice and stating through a collection agency ( National Credit Systems , Inc. ) I owe an amount due of {$480.00}. I am disputing the notice charge and requesting my deposit balance of {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts ( one for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ) were paid in full ; Agent stated it would be removed from credit report upon payment. 

Account was not removed ; status showing open when it should be closed and removed from report. 

Filed a formal dispute, investigation was not truly followed as upon completion, it was still reported with mismatches. Showing open on XXXX and closed on Transunion. Also, with erroneous and mismatched open dates. 

The below laws are being violated : ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX The information of closed account of : XXXX XXXX  DELAWARE Account XXXXon my Experian credit report is inaccurate, that account had been settled for {$570.00}, I started making payments first and then decided to pay the rest in one payment so I asked how much it, was, they told me it was {$320.00} XXXX paid that amount, they received the money on XX/XX/XXXX according to their letter and Experian still reports 30 days late on XXXX and XX/XX/XXXX, on XXXX the same account shows no movement after last payment on XX/XX/XXXX. 
That late payments shows in my credit report, and is hurting my possibilities of qualifying for a loan. 
That account should be removed for inaccuracies. 



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

I have filed a complaint in XXXX XXXX Superior Court case XXXX, Plantiff XXXX XXXX, Defendant XXXX  ( in the employ of XXXX ). I have made complaints to XXXX and XXXX since early XX/XX/XXXX, that they are incorrectly reporting lates on my account XXXX & XXXX. 

XXXX et al - have been ignoring me ( XXXX XXXX ) and coming up with one excuse after another for 6 months,
Product: Debt collection

When contacted by phone, explained to the debt collector we do not own the company that they have listed as the debt being owed. The company listed was sold by my in laws eighteen years ago to a man named XXXX. That is all I know. I asked them to please remove me from their phone calls and letters as this debt is not my husbands or mine. This debt is from XXXX to the company XXXX XXXX XXXX XXXX XXXX. My husband and father in law have the same first and last name, different middle name, different social, different address, My father in law passed away three years ago after selling this company eighteen years ago to a man whom I only know as XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXXXXXX XXXX violated my rights to privacy as a federally protected consumer. As a result of XXXXXXXX XXXX not following the rules set-forth under the privacy act and title 15 usc 6802 which allows consumers the opportunity to opt out of sharing non public personal information with 3rd Party non affiliates such as TransUnion, which XXXX XXXX was provided with my personal information from my consumer report without my written consent as mentioned in section 15 usc 6801-6802. I am hereby demanding that the adverse action taken against me by XXXX XXXX be reversed due to they fact I was not given proper notice in accordance with federal laws for my personal information being shared with consequently had my account closed. TransUnion is also in violation by not following the rules of furnish accurate information and having me the consumer prior consent before furnish such information. I also am aware that I am able to seek civil liability damages due to these violations in accordance with federal laws under tile 15. Please provided proof that my prior consent was given before making a decision to close my account. I am also aware that XXXX XXXX is holding on to a security that was given to them which was value and consideration. I would also like the return of my original application with the wet ink signature ASAP or I will be filing a claim for securities fraud against XXXXXXXX XXXX in accordance with the security exchange act of 1934.
Product: Money transfer, virtual currency, or money service

I been trying to fix a restriction in my robinhood account for a while, but most of the time customer service is not helpful at all, today XX/XX/XXXX I was contacted by and agent via phone but during our conversation the call ended on their side, and the only reply I got from after the call was an email saying : " Hello, Thanks for reaching out. Based on our records, it looks like this case has already been closed. If you still dont have the answer to your question, please create a new case through the Contact Us page. Sincerely, The Robinhood Team. '' They did not solve any of my issues and my account won't let me do any transaction which I am really in need of them to pay my college tuition. 

I would also like to mention that on XX/XX/XXXX my robinhood credit card was used fraudulently, I sent a report to XXXX about this issue and to date I still have not received a response nor a refund, I am unable to call them about this because the app says that they can only be contacted by email
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.
Product: Payday loan, title loan, or personal loan

XXXX payment was set up on an automatic payment plan with Time Investment Co. In XXXX I discovered that they had cancelled my automatic payment without notifying me. By the time I discovered this my next payment was already late. I made my payment through online banking through my checking account. I gave the company the check number, and proof that payment was made and asked them to stop calling me 3 times a day in writing on XX/XX/XXXX. They continued to call 3 times a day and email daily. On XX/XX/XXXX I told them again in email to stop calling me or I would report them for harrassing me. On XX/XX/XXXX they cashed the check, but they have continued to call me 3 times a day and email me daily.
Product: Checking or savings account

I contacted Navy Federal on XX/XX/XXXX, to resolve and issue with my debit card being stolen and used to make two purchases totaling over XXXX. I was informed that my dispute carried not specif amount of time to resolve. Customer service agents are unable to give me any updates as to why is going on. To date this issue has not been resolved nor any information provided
Product: Checking or savings account

II have been a Citi customer for XXXX years. I opened an XXXX XXXX account XXXX XXXXXXXX over phone when Citi 's new account rep offered to open this account over phone. There was an online offer of similar nature on the web for selected customers on my XXXX web interface that I wanted to use. See the attached. I took up on the offer over phone as the rep told she could open that online and XXXX rep opened my account over the phone attaching offer code XXXX. The account was opened on XX/XX/XXXX. And I emailed to myself confirming what your rep told as proof. I was promised {$450.00} bonus after transferring $ XXXX within XXXX days and keeping that for XXXX days. I did fulfil those requirements. 

I am still waiting to get that {$450.00} and I chatted Citi rep asking for resolution and by emailing XXXX dedicated contact. Last week chat rep told the code was not applied, so I am not eligible. All I have to say that XXXX rep gave me the offer over phone that I accepted and I deposited $ XXXX on that assurance on XX/XX/XXXX. I am not responsible for Citibank agent 's fault, deceptive practice or any error the rep made, as $ XXXX deposit was at stake. I have kept that balance since opening the account and Citibank is refusing {$450.00} bonus payment.
Product: Debt collection

I am receiving threatening and harassing telephone calls and death threats from representatives from Diversified Adjustment Service , Inc., for a debt of {$260.00}. The account is an unauthorized and fraudulent account. I have never applied for an account with XXXX XXXX. I am a victim of identity theft. Someone stole my identity and used my personal information to apply and open an account with XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The phone number XXXX isnt my number nor am I affiliated to that number. I have never lived in Florida. The address of XXXX XXXX XXXX XXXX FL XXXX isnt my address,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX ACCT NUMBER XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Contacted attorney who wrote letters to Capitol One and XXXX XXXX instructing them to cease and desist phone calls in the middle of the night, at XXXX & XXXX XXXX and all day long because of usury interest rates and inflating amounts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance {$740.00} ; XXXX, XXXX XXXX XXXX Owed : {$1200.00} ; XXXX  XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX  XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? It's taken longer than i thought - more than 45 days and it account status was never updated. Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Checking or savings account

On the week of XX/XX/2023 I made my first claim to Truist Bank case number XXXX. I visited on of the branch and I made six claims which adds up to the {$280.00}. Two weeks later, Truist Bank refunded me the {$280.00}. On XX/XX/2023, Truist withdrew the amount of {$130.00} claiming that part of those claims were made by me. I contacted the claims department and I spoke with XXXX to request for them to send me proof of receipt from the merchant. XXXX stated that they don't have any proof. 


On XX/XX/2023 I visited one of Truist Branch and I spoke with XXXX XXXX a branch leader located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. She refused to make five unauthorized claims that I needed to make instead she gave me the XXXX which is the Account Security Claims department. After I finished calling the claims department, I realized that those five claims adds up to {$220.00} the claims number is XXXX. I was able to receive the refund the same night because I told the claims representative that I needed that money right away because I was being evicted and I was about to become homeless. 

On XX/XX/2023 I was able to make my third unauthorized claims Case number is XXXX. I made Ten unauthorized claims that adds up to the amount of $ XXXX.There is no coincidence that those {$400.00} dollars that I was given as a part of a promotions that Truist had for new customers opening an account they are now deducting me. I'm currently being evicted and I need that money that Truist is refusing to credit me to move out. I'm begging this agency to assist me in resolving this issue.