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

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX XXXX  Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX XXXX Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting

I noticed late payment ( s ) on my credit report that we 're from XXXX XXXX ( XXXX XXXX ). 

I contacted XXXX XXXX and they sent me a letter stating that they would contact the credit bureaus and have the negative remarks removed within 90 days of the letter they sent me. 

They never had these late payments removed as promised. 

I have a copy of the letter that I will attach to simplify this complaint. 

My goal is to have these late payments removed from my reports as promised. 

I have attempted to contact XXXX XXXX again to have them correct this. They have not and stated there is nothing else they can do. 

I have sent certified letters to all XXXX credit bureaus containing the letter from XXXX XXXX specifically stating these late payments should be removed. They refuse to remove them. 

I spoke today with TransUnion and they told me that " Documentation from XXXX XXXX '' is not sufficient for them to remove these late payments. 

That is insane. There is nothing more official that could be presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX XXXX : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$840.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00XXXX XXXX XXXX Balance XXXX {$2700.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$670.00} XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under XXXX XXXX XXXX ( g ) Section XXXX ( b ) Communicating with a debtor after receiving a cease and desist certified mail under XXXX XXXX XXXX ( g ) Section XXXX ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, XXXX XXXX ( g ) Section XXXX ( XXXX ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I disputed the account for XXXX XXXX  - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( XXXX  and Transunion ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX XXXX XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified XXXX, Transunion , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX updated erroneous information again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inaccurate information and inquiries that are reported on my Credit Reports : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. Please have these public records deleted from my file : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Checking or savings account

back in XXXX of 2021 i was robbed online XXXX dollars was taken out of my account. I then contacted suntrust now truist bank immidately letting them know of the fradulent charges done to my account. They then issued me a credit while my case was investigated. In the end they ended up denying my case and the credit they issued was then removed from my account setting my funds at a total of zero. this whole situation has ruined my life I am working two jobs 7 days a week i can barely survive. I have done everything in my power to try and get this situation taken care of but i am at my wits end. I am so upset and appauled at how the bank handled what happened to me they never once called me or flagged my account or locked it to let me know of this fraudulent activity. As a bank this was there job to protect there customers and they didnt do that. I have filed a police report went to lawyers and went as high up as i can with truist bank. Nobody will help me
Product: Bank account or service

During Citigold checking account opening, I was offered XXXX Thank You points from Citi by using their promotional code XXXX. I met the requirements for the promotional sign up bonus and confirmed with the Citi representative more than one time and was told that I will receive the bonus Thank You points within 90 days. Around 90 days time now, I received a message from Citi saying I do not qualify for the points. I feel I was mislead during account opening.
Product: Credit reporting

I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances.
Product: Credit card

I received a call this evening from a man named XXXX, # XXXX He claimed he was checking into charges to XXXX and XXXX using the last four of my SS number which he had correct. He claimed he would stop all charges made to my number. He said he would call me back tomorrow and claimed to be from your agency and gave me your XXXX number. I obviously have concerns that this is some type of scam. In the last month I had a claim I had won a large sum of money from XXXX XXXX XXXX!! I DID NOT give them any numbers. They called me several times.. then made me open a new checking account..then asked me to get cards to the tune of {$870.00}. I said NOPEXXXX  you send me the money.. I'll pay the taxesXXXX they stopped calling. It just worries me that he knew the last 4 of my SS number.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( 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.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a 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 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. 
This is unfair and if they are doing this to me imagine who else they are doing this too.

Here are the list of accounts that are not reporting accurately delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION 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
Product: Credit reporting or other personal consumer reports

I have incorrect addresses on my XXXX, XXXX, and transunion report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX Still XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH
Product: Consumer Loan

RE : Creditor is falsely and misleading the amount owe on recent balance on my credit report. 
In a recent dispute with XXXX, Exeter Finance Corp stated the recent balance was updated to {$6400.00}. They also verified that the information they are reporting was verified. How is this possible? 
You are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. The account is charged off. 
This is a false and misleading tactic used by the creditor and is it illegal.
Product: Mortgage

I was behind XXXX mortgage payments with Wells Fargo. We successfully completed a loan modification and rolled the XXXX payments into the new agreement. In the mean time Wells Fargo took the amount of the XXXX payments from my credit union account without my without my knowledge nor permission. Simply put, they are taking these payments twice. This action has led to numerous overdrafts and fees as well as leaving me with no money. Wells Fargo has promised to rectify this situation daily since last week. As of XXXX EDT today ( XX/XX/2016 ) no resolution. Please Help! 
Respectfully submitted,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX BANK XXXX. [ Account # XXXX ], XXXX XXXXXXXX BANK [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. XXXX has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my legal name earlier this year. My legal name is " XXXX ''. I do not have a last name. My court order ; Driver 's License ; and Social Security XXXX card all accurately reflect that my only name is " XXXX ''. 

I sent a letter to TransUnion to indicate that my name has changed, and provide them copies of the documents listed above. Having previously worked as a XXXX XXXX, I am very familiar with database requirements ; while it is perfectly legal for a person to have only one name, nearly all systems in the United States assume that people have both a first and a last name, and mart both of those fields as required. I submitted a cover letter listing several options for TransUnion to enter in place of a last name to satisfy their database requirement. Examples include : " XXXX - '', " XXXX XXXX '' ( 'no last name ' ), " XXXX XXXX '' ( 'no first name ' ), etc. 

I received a letter in the mail today indicating that they made a change to my account, and now listed my name as " XXXX XXXX ''. That does NOT match any legal document that I own, and was NOT listed as an acceptable work-around. 

I called the customer support phone number for TransUnion and was escalated twice to a representative able to answer my question. They informed me that they were UNWILLING to correct this issue ; because " XXXX '' is the only name written on the court order, that was the only name they would enter. But because their system requires both a first and a last name, they entered it in both fields. When I asked why they were willing to deviate from the name listed on my court order, " XXXX '', by entering the name " XXXX XXXX '' instead, but were NOT willing to enter the name " XXXX XXXX '' instead, the only answer I was given was " this is how we're going to report it and we're not changing it. ''
Product: Debt collection

I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Funding Response & XXXX Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see Midland Funding XXXX Validation Attachment XXXX. 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response & XXXX Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX 2022