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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted.

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXXXXXX XXXX XXXXXXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

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

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2021. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Checking or savings account

I have been a Wells Fargo customer for over 15 years. I believe I may have been overcharged bank fees
Product: Debt collection

i have been getting calls from XXXX recovery for years over a debt that iiiis not mine. it's the same name but not exact to my own. ive asked them to send me the info showing i applied for the credit and they have not been able to show anything. the statement they provided is for a " XXXX XXXX '' however i have never gone by that name ever especially when applying for credit. it's a XXXX name not a legal name. I asked for them to verify the actual applicaation submitted to the creditor and all they submitted to me was a statement which proved nothing as i suspected.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to both XXXX and Experian regarding inaccurate and incomplete information that is reporting on my credit report. They have not responded nor investigated the incident. The letter is attached to this complaint.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX and credit XXXX
Product: Checking or savings account

My husband and I opened multiple bank accounts through Bank of America in XXXX, XXXX  on XX/XX/XXXX. We opened checking accounts for an operating account, a payroll account, and a ATM account for our business XXXX XXXX XXXX XXXX, XXXX. We opened a personal checking account for our family. As well as a checking account for our food truck business XXXX XXXX & XXXX XXXX. Starting our accounts out were challenging because our previous bank did not transfer all our companies money into our new accounts until greater than 10 days. This was challenging for our business in the beginning. Once all money was transferred there were no issues. We received a letter in the mail from Bank of America stating they were closing our accounts around end of XXXX early XXXX. I reached out to Bank of America in XXXX, MD via phone call and spoke to XXXX the branch XXXX. I told her about document that I received in the mail and she stated that I received that by mistake and there was no issues with my account and to throw the document in the trash. I threw the document in the trash and did not think anything else of the matter. We continued to make daily deposits, ordering checks etc. Yesterday, XX/XX/XXXX we attempted to deposit money into our account and were denied. Bank of America in XXXX, XXXX  stated they did not understand the issue and told me they would give me a call on XX/XX/XXXX as soon as they got more information. I did not hear from Bank of America by mid afternoon so I attempted to call multiple times throughout opening hours. I finally sent an email to XXXX on XX/XX/XXXX at XXXX stating my concern about my accounts being closed. I informed them that I have a business to run and I need to ensure my business is ran smoothly and safely so no checks are bounced or any issues. I received a call back around XXXX on XX/XX/XXXX from Bank of America at the XXXX XXXX XXXX  branch stating they do not have any information for me to explain why my accounts have been stopped. They provided me with a phone number of XXXX, which I called directly. I spoke to a representative which stated she is unable to provide me with the reason our accounts were being closed. She informed me that my accounts are closed and that I will receive a cashiers check of our money in the mail in XXXX business days. I informed her that I have a business that I need our money for our business to succeed everyday. I informed her that I was just made aware that my bank account is closed today. I informed her this all takes time to make sure my accounts are set up appropriately so checks dont bounce, my payroll goes through etc. She stated this is bank of americas policy and they can close your bank account at any time. Please help me get this terrible situation solved. You can contact me directly at XXXX or my email is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that someone unwillingly open an account with my name, I did not give anyone consent to open an account.
Product: Vehicle loan or lease

I noticed my balance had not been reflected correctly on my XXXX report in regards to my Wells Fargo Dealer Services loan. The balance was reported on XX/XX/XXXX as {$8200.00} which was my previous balance in XXXX, not the current balance which was supposed to be reported for XXXX. My balance as of XX/XX/XXXX ( XX/XX/XXXX days prior to my payment due date ) was {$8100.00}. I called WFDS customer service to inquire as to why it had not been updated as I thought it was not updated at all. She told me that they had already submitted it, then I realized after speaking with a XXXX rep that they are reporting the balance incorrectly, but WFDS will not make any changes. They are very stubborn about this situation.
Product: Credit reporting or other personal consumer reports

UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT. 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
Product: Debt collection

Multiple representatives continue to call me daily although I have advised them when I will make a payment. I receive at least XXXX calls a day at home and at work. I have told them I will make a payment soon, but they continue to call multiple times a day to continue to pressure me into making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Georgia XXXX... I have previously disputed XXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.
Product: Debt collection

I was walking through a rough area when two men suddenly XXXX me, taking my phone with personal data and my wallet containing IDs and cards. Later, they used my info to open fraudulent accounts, causing financial trouble. I've taken steps to report this identity theft and dispute the debts. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the lack of response from XXXX, XXXX, and Experian, the XXXX major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that XXXX, XXXX, and Experian are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - Experian : XXXX - XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX, XXXX, and Experian for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.
Product: Credit reporting

The problem is that every time I try to get information on my personal credit report, such as when I tried to use " XXXX XXXX '', I was blocked.Now I am for certain that someone is definitely doing something with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive have contacted the Loan Service provider to report accurately report account status to all major credit bureaus. The company denied my request and stated they have the right to not report at this time.
Product: Mortgage

Quicken Loans misapplied extra payments I made on my mortgage. These extra payments should have been applied to principal. After raising this issue with Quicken Loans, they sent me to a debt collector.
Product: Debt collection

On XX/XX/XXXX I had debt collection company Vericred Solutions in XXXX XXXX Co report on my XXXX for the amount of {$1800.00} and I have never received any notification from this company let alone dont know who they are. I had pulled my credit on XX/XX/XXXX to refinance my home and I am the process until this showed up on my credit. I think if it was a legitimate debt I should have been giving the opportunity to dispute or pay. I will be hiring a attorney to resolve this matter. Companies like this need to be shutdown due not following the law. 

Regards
Product: Bank account or service

I have a citibank checking account and recently traveled outside of the country, to XXXX. I used a Citibank ATM in XXXX to take out cash from my Citibank checking account. When I returned home, I discovered that Citibank charged me a foreign transaction fee of 3 % of the amount of my deposit even though I took out cash from an ATM from my own bank. When I called Citibank they told me that Citibank XXXX is actually a different bank that is " not affiliated '' with Citibank in America and refused to do anything about my foreign transaction fee. I find it ridiculous that they would claim not to be affiliated with a bank of the same exact name ( clearly the same bank ) and kindly request to get reimbursed my foreign transaction fee.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I file a dispute with both XXXX and XXXX credit agency to have Santander Consumer USA removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to Santander Consumer USA and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted XXXX and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax | XXXX XXXX | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.
Product: Credit reporting, credit repair services, 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 confidentially under 16 USC 1681. 

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

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

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 

Also, they are not in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian saying I have a credit increase, when I tried to login the account belong to someone else. This is breach of someone else credit information using my email to login and reset the person password. This should not be happening, someone else could have my information sent to their email with the same issue.
Product: Debt collection

This company completely disregarded everything I have initially disputed with them via correspondence. According to YOUR DOCUMENTS attached you have written " THIS COMPANY IS A DEBT COLLECTOR '' on the bottom of your letters. You are trying to come off as a legally bind company with ME but you are not. 

I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such UNAUTHORIZED use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated MY privacy and only I deem what is private to me. 

15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with accurate collections services not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. You DID not follow my requests, you willingly chose what to follow and what not to follow. 

I specifically stated Pursuant to 15 USC 1692 c. ( C ) ( 2 ). I am invoking my specified remedy as a consumer, and original creditor I am demanding all the following : 1. Zero out the balance of the ALLEGED debt. 2. deletion from all your files. ZERO OUT MY BALANCE and DELETION of my illegally obtained documents from your files and accounts. I have NOT granted permission for my information to be given out as I do not have dealings with you or your company. You have violated my rights over and over again