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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XX/XX/year> ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 generally, 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 suppose 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.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. ( The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, This ground for removal they also violated my rights under 15 US C 1681 section 602 A. ) States I have the right to privacy. 154.0 9 1501 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

i want to remove unauthorize hard inquiry from my credit report. Transunion. XXXX and XXXX Didn't authorize any of these company to run my credit report. 

HARD INQUIRES PARTNERS CREDIT/AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX VIA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On My Report
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX
Product: Credit card or prepaid card

My XXXX XXXX XXXX # : XXXX is lost/stolen and all the transactions on my XXXX XXXX is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.
Product: Mortgage

On XX/XX/2020, my bank, XXXX XXXX made a payment through ACH to Freedom Mortgage in the amount of {$3500.00}. Freedom Mortgage failed to credit my account for the payment and continues to charge late payments and interest on the " missed '' payment. I spoke to a Freedom Mortgage representative on or about XX/XX/2020 about the statements I received that failed to credit my payment and the representative advised that I needed to submit a copy of the payment confirmation and documentation showing the funds were deducted from my account. On approximately XX/XX/XXXX, I provided Freedom Mortgage a copy of a letter from my bank which included my bank account number and the tracing number demonstrating the funds were transferred from my bank to Freedom Mortgage. Freedom Mortgage acknowledged receipt of my documentation on XX/XX/XXXX, and subsequently stated they want a running bank statement and not just a copy showing that the payment was deducted. Freedom Mortgage is holding and earning interest on approximately {$3600.00} of my dollars, and refuses to document the payment. I have been adversely impacted through continued late payment charged, erroneous letters and interest charges and negative reports to the credit bureau. I have spoken to two customer service representatives with Freedom Mortgage and I yet to receive resolution. Any assistance you can provide would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the inquires all ftc violations : XXXX/XXXX  XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three credit bureaus had regional acceptance bank I financed with them they have my car repossessed then they gave it back to me. I paid on it. I only missed XXXX payments total on that car and theyre cleaning. Im missing almost XXXX  years of payments theyre full of baloney why did they take my car to begin with and then give it back to me theyre full of XXXX they dont even know what my account number is they give me different account numbers all the time theyre up to no good and theyre scammers this is a scammer and Im not gon na have it on my credit report. Im gon na sue all three credit bureaus and Im gon na sue you guys.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report.

15. 15 U.S. CODE 1692G - VALIDATION OF DE BTS XXXX Account Number : XXXX Please remove it from my credit report.. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Please remove it 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. It is my understanding that you will recheck these items with the creditor who has posted them. 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. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me and were probably opened due to fraud. The fact that two different companies are reporting the same amount is fraudulent Derogatory Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Letters were sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Debt collection

Keep calling when I told them to stop will need this off my report immediately
Product: Credit reporting or other personal consumer reports

Despite our prior communications, it appears that there has been little progress in resolving this matter. As a concerned customer, I am increasingly troubled by the prolonged delay and its potential impact on our business relationship. 

I understand that resolving such issues may require time and effort, but it is essential to emphasize the urgency of this situation. The longer these open accounts remain unresolved, the greater the risk of financial strain and operational disruption for both parties. 

Therefore, I kindly request that you prioritize the resolution of the late open accounts and provide me with a concrete plan of action to expedite the process. Transparency and clear communication are vital in restoring confidence and ensuring a satisfactory outcome. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$14000.00}.
Product: Prepaid card

I contacted XXXX originally as multiple charges were made without my authorization at the XXXX XXXX XXXX. I called and they said they filed a claim but it never went through and nothing came of it. 

I then tried to use the online portal and dispute over 6+ claims of money that was taken, to which they denied all of my disputes. I have tried to contact them for information or any other information I can provide to get my rightful money back, and I have received nothing. 

I also attempted to contact XXXX but they said my bank would need to dispute it.
Product: Credit reporting or other personal consumer reports

I had plenty of unauthorized transactions and i reported that as fraud to the Goldman Sachs!

They didnt solve my problem!

No documents about what are these expenses for!

Then they reported and reduced my credit score XXXX points! 
Fraud fraud fraud!

Unauthorized transactions and fraud credit score report.
Product: Credit reporting or other personal consumer reports

There has been inaccurate information reported to my credit report. It has been affecting my personal life which is devastating which leaving in distressed. 

Southwest Credit Systems, L.P. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Request for Purchase Agreements- Account Number : XXXX. Account Number : XXXX Dear Southwest Credit Systems, L.P., I hope this letter finds you well. I am writing to request copies of any purchase agreements related to my account with account number Account Number : XXXX. Account Number : XXXX. 

I am seeking transparency and clarity regarding the terms and conditions associated with any purchase agreements entered concerning this account. 
Details of the Request : Account Number : XXXX Account Number : XXXX Purchase Agreements : Please provide copies of any purchase agreements associated with the specified account. 

I am making this request in accordance with my rights as a consumer and to ensure a clear understanding of the terms under which any purchases related to this account were made. Your prompt attention to this matter and timely provision of the requested information would be greatly appreciated. 

If there are any fees associated with obtaining these documents, please inform me in advance. I look forward to receiving the requested information within 30 days of the date of this letter, as stipulated by applicable consumer protection laws. 

Thank you for your cooperation and prompt attention to this matter. 

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

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Debt collection

This debt has not be verified to be mine. Company wo n't call back or respond to letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause XXXX XXXX.
Product: Bank account or service

In XX/XX/XXXX I opened an IRA with Wells Fargo - XXXX XXXX. I explained at the time that I live in XXXX, but was anticipating a pension payout from a previous employer in the XXXX. I explained that what I wanted to do was roll the money from the employer, into an IRA, then make a drawdown on the IRA and have it electronically wired to my bank ( XXXX 's ) in XXXX. 

The rollover to the IRA happened in XX/XX/XXXX, as anticipated, and a drawdown was placed into my savings. When I requested to have the funds wired through XXXX 's XXXX to my XXXX 's account in XXXX, I was told this could not happen. I was then told I needed to make daily withdrawals from an ATM to get the money. I explained there were no Wells Fargo ATMs in XXXX. Wells Fargo reported that this was the only way I could get the money. Each time I made a withdrawal from the ATM, I was charged a {$5.00} fee for using a non-Wells Fargo ATM. I was also limited as to how much I could withdraw on a daily basis, to {$500.00} ( XXXX ). After about XXXX trips to the non-Wells Fargo ATM, the bank manager at XXXX XXXX increased my daily withdraw limit to {$1000.00} ( XXXX ). 

It took me all of XXXX, all of XXXX and into XXXX to obtain the funds using the ATM, which resulted in incurring ATM charges in the hundreds, which were far in excess of what it would have costs to make a simple electronic transfer to my bank in XXXX. 

I feel I was lied to from the very start! Wells Fargo should have told me from the very start that they were not able to electronically transfer the money.
Product: Credit card

I was fraudulently charged for construction services thru greensky. When I contacted them they " reversed charges '' but later changed stating they could not get funds thru the construction company. I have written and emailed greensky for over 3 months and no return email or call. 
Please contact me. 

XXXX XXXX XXXX
Product: Checking or savings account

Back in XX/XX/XXXX USAA decided to restrict my online account access to USAA.com preventing me from seeing or accessing any of my accounts. On XXXX XXXX 2017 there was an ACH withdrawal for {$4000.00} which simply stated member generated. Seeing as I did not have access to usaa.com I do not see how I could have generated this ACH withdrawal, but seeing as there was no other identifying information I promptly requested more information from USAA to help identify the transaction. I made this request multiple times throughout XXXX and XXXX of 2017. Now in XXXX, I received letters stating I disputed the transaction and am asked to sign all these papers stating I did not authorize the transaction I still have no information on. USAA failed to do provide information on this transaction as requested yet demands I send in a signed affidavit stating I did not authorize a transaction I simply have not been given any information on in order to identify it. Furthermore, the letters request XXXX upload the documents on USAA.com which I am restricted and unable to do.