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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accurately completed all information on XXXX, and requested a report through equifax. Equifax refused to furnish my credit report thereafter, in violation of my rights to access my report for free.
Product: Credit card or prepaid card

This company has not reported my balance since XXXX. I have checked all bureaus. The account balance is also at XXXX. 

I am trying to buy a house and this is not helping the process
Product: Debt collection

I have been sending dispute letters since XX/XX/2020 when it showed on my credit report on XXXX because this collection is not mine and doesn't belong to me. 

No one has gotten back to me and this is affecting my credit this is my last resort to get the help that is needed to straighten this out. 

I am having to pay higher interest on everything especially because it doesn't even belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that 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 you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I went to the bank to make a withdrawal from a Citibank ATM Machine and noticed that my account balance was incorrect on my receipt. The bank was closed so the next day I went to the bank and a bank employee told me that there had been two ( 2 ) separate wire transfers out of my account- each in the amount of {$40000.00}. I did not initiate these transfers and I did not authorize anyone to make these transfers. I filled out the papers that the bank required me to complete and had them notarized. I also went to the local police department and filed a Victim 's Report ( Case Report # XXXX ). I then returned all the forms to the bank with a copy of the police Victim 's Report. They told me they would investigate the matter and would be in touch. On XX/XX/XXXX they sent me a letter that advised me that they were denying my claim. I have since found from employees at my bank that the same thing happened to numerous other customers at the bank.
Product: Credit reporting or other personal consumer reports

For the past ( 3 ) months, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX  I have sent several letters to each of the major credit bureaus. 

The letters clearly instructed the bureaus to correct my credit report based upon the Metro2 Code Compliance standards. 

My request for correction has been ignored without proper action taken, particually by Experian. They have repeatedly sent me notice that they " have not taken any action on my alleged request ''. 

After several calls, letters and cover letter attempts to get them to ACT on my behalf, the response from them appears to now be a stalling tactic to not take proper action on my account, per my request. 

Information on my report is inaccurate and I simply want the items requested removed and/or deleted from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account, however, I have attached a copy of my XXXX credit report just to show the inaccuracies in the payment dates. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being that the payment history in inaccurate for both, this item must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account from XXXX XXXX XXXX XXXX is not reported to Transunion and XXXX credit bureau as XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified XXXX XXXX on letter dated XX/XX/XXXX. 

I notified Transunion and XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Product: Credit reporting or other personal consumer reports

During the year XXXX, I recently learned that my personal information was used to open an account with companies. I did not authorize those accounts and requested it be closed immediately. Such as Negative Accounts Activities and inquiries. 

Also it's a major violation under 15 U.S.C. sec 1681a ( 2 ), 15 U.S.C. sec 1681b, 15 U.S.C sec 6802, 18 U.S.C sec 1028A, Executive Order 13844.

DEBT VALIDATION CLAIM 15 U.S.C. 1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, - XXXX  XXXX : XXXX - XXXX XXXX : XXXX XXXX XXXX XXXX : 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I received a letter from a credit collection agency that calls itself XXXX XXXX XXXXXXXX  or XXXX, on XX/XX/XXXX stating that I owe a debt of {$470.00} on a debt to Rock Creek Capital , LLC for a leased XXXX XXXX that I turned back over in good standing in XXXX of XXXX. I immediately responded with a letter stating that I dispute this debt. On XX/XX/XXXX, I received a response form XXXX stating that I do owe them the debt for Rent Past Due, Sales Expense, and a Lease Termination Charge. Their letter also states that they do not have to respond to any other inquiries, requests for additional information or challenges to their claim. 

The lease in question was on a XXXX XXXX XXXX which I leased on a weekly basis from a company named XXXX XXXX, which was affiliated with XXXX. The purpose of this lease was to drive for XXXX. During my lease, XXXX XXXX was bought out by XXXX, which from what I understand went out of business after I terminated my lease and their remaining business was bought out by Rock Creek Capital LLC. I leased this car from XX/XX/XXXX through XX/XX/XXXX. The weekly lease payments were taken directly out of my XXXX earnings each week before I could even touch any of my earnings. I never missed a payment. When I terminated my lease, I called XXXX XXXX and they scheduled a pickup of my leased XXXX from my driveway. I was instructed to leave the keys in the XXXX and they would come pick it up on Monday, XX/XX/XXXX, which is exactly what happened. When I spoke to them on the phone, they told me that the final payment would be taken directly from my earnings as they always have up to and including the XXXX, and that there would be no additional charges. Everything went exactly as they described and I never heard from them again. 

The XXXX was in excellent condition when returned and nobody has reached out to me in 3 years to suggest otherwise. I have lived in the XXXX area, with an up to date legal address, the same phone number and email address as I had in XXXX and have never been contacted by XXXX XXXX, XXXX, XXXX, Rock Creek Capital, XXXX XXXX XXXX or any associated companies or individuals ever claiming or suggesting that I may owe any outstanding balances from my auto lease. Now, 42 months later, Im receiving letters from a debt collector which claims that I owe money to a company which has changed hands several times and I cant help but feel like they were just hoping I failed to respond to get a default judgement against me. 

I looked up this exact scenario online and saw that numerous other former XXXX drivers who leased through XXXX XXXX are now receiving similar letters beginning in XXXX, which I think deserves being looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the XXXX credit bureaus on XX/XX/2022. As of XX/XX/2022, XXXX, XXXX, and TransUnion have not responded to my dispute. This is my sixth attempt 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 of BUREAUS. 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Payday loan, title loan, or personal loan

I obtained a loan designated as a personal loan for business purposes in 2021 from BHG but was not provided with final loan documents, nor monthly statements. I do not know how much is left on my loans, what interest has been paid, or any other information because I have never received monthly statements nor access to an electronic version of my statements.
Product: Mortgage

We have been billed incorrectly by CMG Mortgage for most of the time we have the loan ( XXXX XXXX ). We had to go to small claims court and were reimbursed for part of the money, however the company is consistently over charging us even after they admitted their mistakes. We have tried speaking to them tens of times and emailed but they have not corrected the problem.
Product: Mortgage

My property taxes were not paid on time, in XXXX. I wasnt notified by my company why they werent paid, or that they hadnt been paid. When XXXX XXXX reached out in XXXX to let me know we were delinquent, I contacted Freedom Mortgage and provided documentation that the parcel number was correct as well as an itemized bill. I was told told it would be paid in XXXX business days. Then I received a text 4 days later saying it had been resolved. I called the company, and they confirmed they paid it. Because I didnt trust them, I called XXXX XXXX to confirm. XXXX XXXX said the bill had not been paid, nor had they been contacted by anyone in the company. When I called Freedom Mortgage again, they said the resolution was a mistake and they didnt know why the check hadnt been cut or sent XXXX weeks later. Now our property tax will be sent from the sheriffs office to the clerks office, and will be available for purchase by a third party in XXXX. My money is sitting in escrow, and I just want it paid to XXXX XXXX, and Freedom Mortgage needs to pay all fees accrued as it is their responsibility and job.
Product: Credit reporting

During late XXXX and early XXXX 2015, I initiated XXXX different new auto loans with XXXX XXXX XXXX XXXX. The reason for the XXXX different loans was because I had the dealer re-write the loans to take advantage of discounts being offered. The final loan and the only valid loan was for the amount of {$32000.00} and was the only loan that should have lingered as " open '' on my credit report. I have been making payments on this loan and the current balance is much less. 
Meanwhile, the XXXX of the XXXX loans in the amount of {$34.00} continues to linger on my credit report and is reflected as " open ''. This amount is added together with the XXXX loan, which is valid, and added to the total amount I owe at the beginning of my credit report. 
I have contacted XXXX XXXX several times about this. Each time I am informed to wait another month for the matter to be resolved. I first reported this problem in XXXX so I have now waited 3 months. 
This is not only incorrect, but I am hampered from obtaining additional credit, because my total of monthly payments on XXXX open auto loans exceeds my income to monthly payment ratio. Also, since this is reflected on all XXXX credit reports, it appears to be a problem with XXXX XXXX reporting to the credit bureaus.. 



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

On my last XXXX and TransUnion credit reports dated XX/XX/2019 there is incorrect personal info., and im wondering if my personal info was ever used by another person ( s )!! Under addresses there are 3 that dont belong to me : 1. XXXX XXXX XXXX. XXXX XXXX in XXXX. 2. XXXX XXXX Urb. XXXX XXXX - XXXX XXXX in XXXX. 3. XXXX XXXX - XXXX. 

And under former employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I dont recognize this employer. I have always worked in school system here and previously in XXXX XXXX  XXXX. 

Thanks. XXXX XXXX XXXX
Product: Checking or savings account

I have tried to log in to my Chime account for the past 4 weeks and I am not able to access my money, or pay bills. I have been on the phone with customer service no less than 6x and each time they state they must elevate to their tech support department and response times are 24*-48 hr. To date no one from Chime has ever contacted me. My last call to them was exactly 98 minutes and no solution, just the same old we are submitting the problem and someone will be getting back to you in 24-48 hours. I'm late on all my bills and desperate to gain access to my account.
Product: Bank account or service

Bank of the XXXX branch has been my bank for 27 years. Several years ago the present Manager and assistant told me I should have a Gold Line attached to my checking account because I was paying excessive overdraft feets that compiled even though the deposit to cover them was entered the same day. They placed the fees XXXX then registered the deposits. 
This has been the same only worse with the Gold Line because they can randomly choose an amount to transfer to cover an overdraft. Anywhere from {$50.00} up and then charge a loan fee of 19.9 % which is very very high. 
I asked the Manager XXXX in XXXX of 2015 if there was n't a different option and I was given the brush off and told no. 
The amounts of loaned money has grown to over {$900.00} and they keep " randomly adding money to my checking and building the loan amount. 
I know that many of the transfered money from the Gold line was unnecessary and that deposits were always made to cover my payments from the checking. 
There have been times when I know that the funds were available to cover a check but the bank used " timing '' in order to increase my Gold line balance.
Product: Credit card or prepaid card

Notice of Conditional acceptance and Affidavit of Debt Validation was sent out via certified mail VIA XXXX XX/XX/2023. Tracking number XXXX Requesting specifically validation of the debt under penalty and perjury. There is a copy of the affidavit attached. The notary signed the copy sent via mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. 

XXXX, XXXX and Experian are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.
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 https : //www.ftc.gov 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my credit line Acct XXXX with Suntrust/Truist bank on XXXX after repeatedly losing access to online banking during their merger with BB & T Bank . Due to not having access to online banking, I had to call in to get the total amount due in order to bring the balance to XXXX and close the account. The representative took payment from me of {$120.00} in order to bring the account to XXXX and close it out. on XXXX I got a letter in the mail from Truist bank stating that I owed {$22.00}. I called Truist and was told they didn't see what the problem was on their end and couldn't confirm if it was or wasn't fraud so they opened an internal fraud investigation and would let me know once that process was complete. Several months later without ever hearing back from Truist, I got a letter from them stating that I owed {$68.00}. I called again and spoke with a Truist rep named XXXX on XXXX and requested more info on what was going on. She was able to inform me that there was a charge of {$22.00} that posted on XXXX that I wasn't informed of at the time I closed out the account. At this point I offered to pay the {$22.00} to settle the account but was informed that I would also be required to pay late fees as well of which I refused to do since I wasn't made aware of the existing balance at the date I closed the account. The date of this writing is XXXX and they are saying my current balance is now in the range of {$200.00} due to late fees accruing every month. After no less than 5 separate conversations with different representatives and a one hour round trip to my nearest Truist branch they are continuing to add to the balance on the account that I closed almost 1 year ago. My credit score as a result has gone down over 100 points and I have spent countless hours on the phone and in transit to the branch with no offer of resolution by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXXXXXX XXXX about account they are reporting as a chargeoff on my credit file but they said they dont have the account and referred me to XXXX XXXX XXXX XXXX XXXX tells me they dont have the account and I should contact FBCS. I contacted FBCS and they dont have the account and referred me back to XXXXXXXX XXXX who still insist they dont have the account. This missing account is reporting monthly as a charge off and no one can provide me any information on the file. I am trying to get a mortgage and this account is preventing me from doing so. I have been getting the run around from all three companies on this account since XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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.