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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 if 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

Per the attached correspondence, XXXX submitted a request to Equifax to remove the hard inquiry from XXXX XXXX dated XX/XX/2018. 

It has been more than 30 days since the request was submitted, but the hard inquiry is still showing up on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Collection account : Creditor : XXXX XXXX Amount : {$1200.00} Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection Creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account numberXXXXXXXX Date openedXXXX XXXXXXXX, XXXX Creditor : XXXX XXXX Account type : Collection Account numberXXXX Date openedApr XXXX, XXXX Account type : Collection Creditor : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose.

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you 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, 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 : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$550.00}
Product: Money transfer, virtual currency, or money service

On XXXX a wire transfer was made by me to Bank of America as a refund for a supposedly mistake made in a deposit to my bank account. This occured when I saw a false bill on my XXXX account. I called XXXX after I sign into my account. They switched me to fraud and I was transferred to a man who was going to fix it. He sent me a form to fill out on my computer. I put the amount of {$500.00} and their side showed it as being a {$50000.00} refund to me by mistake. It showed in my checking account for a day and while it was there they asked me to transfer the money back in XXXX payments ( first payment was {$39000.00} ) so it would not be handle as a business payment that would have been subject to federal taxes. Now keep in mind I was transferred to this person while I was on the phone with XXXX and yes it was the correct phone number. The money was transferred to an account at Bank of America at XXXX XXXX XXXX, XXXX XXXX CA. Name on account was XXXX XXXX account # XXXX Routing Number XXXX. After I transfer the money their deposit no longer showed on my statement and the money was taken from my personal funds. So I lost {$39000.00}. This was on a Friday, when I saw their money was no longer in my account and I was out {$39000.00} out of my account I called my bank and had them report as wire fraud. So I got a letter from my bank that Bank of America sent saying the following : Greetings, Thank you for contacting the Bank of America XXXX XXXX XXXX. Your claim number is as follows XXXX is in process of actively being worked by assigned analyst. A claim such as this can take up to XXXX business days to resolve., however, there may be circumstances which may cause the resolution time to be longer. We are working hard to get your claim resolved as soon as possible. 
Regards, Bank of America XXXX XXXX XXXX XXXX Bank of America : Proprietary and confidential. 

Please Do Not Reply-This is a System Generated My bank has tried calling I have tried calling and you can never get through to anyone. I am frustrated in the fact I can not get any resolve on this issue or information on this. As far as XXXX switching me to there fraud dept I can't get any resolve there either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX   XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Product: Payday loan, title loan, or personal loan

XX/XX/2020,, Continued,, Issues,, Called Wells Fargo Bank For Personal Loan For Rental Assistance And Ect,, Spoken With Mr XXXX XXXX At XXXX : XXXX,, Banker Teller,, Supervisor,, Still Didn't Help Me With Matter He Give Me Alot Opinions,, But Didn't Help at All,, What Kind Of Banking Business Is This If They Can't Help Loyal Customers At a Time Of Need,,, ( Covid19 ),, This Bank Is Still Messy ,, They Really Do Need The CLEAN ) ) This Bank Up, Quickly,, I'm So Disappointed With This!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

You will see in Letter one, sent XX/XX/2018, received CERTIFIED MAIL XX/XX/2018 @ XXXX XXXX., EXPERIAN sent back a response stating things have been VERIFIED but they failed to answer my SPECIFIC request stating " Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the ORIGINAL signed consumer contract-any and all accounts you post on a credit report. '' " I demand to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' ( SEE ATTACHED DOCUMENT ) They sent back a letter stating they have verified and updated my report. They did not follow my demands and send me any verifiable proof. 

XX/XX/2018, more than 30 days allowed to them by law, I sent off letter 2. enclosed with it was a copy of letter 1, proof letter 1 was received. " Please be advised this is my second written request. '' " You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my name on it ) and unter Secion 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all information which can not be verified, '' " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. '' ( SEE ATTACHED DOCUMENT ) Their response is they will not reinvestigate pursuant to Section 611 ( a ) ( 3 ) ( A ) ( SEE ATTACHED DOCUMENT )
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls to CIT. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I recently discovered several incorrect accounts and unauthorized hard inquiries on my credit report, which I believe are the result of identity fraud. I did not open these accounts or authorize these credit checks, and they are negatively affecting my credit score. I have taken steps to report this fraud, dispute the inaccuracies with the credit bureaus, and am working to resolve the issue. Protecting my credit from further damage is my top priority as I work through this situation. ''
Product: Credit reporting or other personal consumer reports

My credit is being used and is providing inaccurate information in regards to my past debts which is really causing a major XXXX  on my finances and livelihood. I can not get approved for anything and when I do get approved I have to pay an outstanding amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX years. 

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

My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, DPT ED/XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX.
Product: Debt collection

To Whom It May Concern : I have repeatedly asked TRANS-UNION CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, TRANS-UNION CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX agency substantiating their XXXX XXXX account # XXXX amount {$1600.00}. Furthermore, I have requested XXXX XXXX XXXX XXXX method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This COMPLAINT is in response to TRANS-UNION CREDIT REPORTING AGENCY recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection agency, has verified that the ( # XXXX amount {$1600.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with TRANS-UNION CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your non-willfulness.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This Complaint is Being Filed Against XXXX credit reporting agency and XXXX XXXX XXXX XXXX according to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' 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. The companies listed below are financial institutions by definition under that title. XXXX XXXX XXXX XXXX. 15 USC 1681 section 604 a section 2 says 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. The company listed below and the Consumer reporting agency XXXX do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to XXXX the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says 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. The companies listed below ( XXXX XXXX XXXX XXXX, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 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. '' 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. 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 is 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 now exercising my right to out of your reporting services.