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 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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 or other personal consumer reports

Can you erase these inquiries? I am not informed about them, and the company proceeded without my authorization.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S, C 1681section 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
Product: Vehicle loan or lease

I am trying to pay off my last Auto Loan payment through Citizens bank. Since this past XXXX i have been trying to log on to their website, like i have done for the last 4 years to make a final payment, and i keep getting a message saying there is " no billing account associated with this profile ''. Which is preventing me to pay off my loan since i do n't have access to any statements. I used the " Contact us '' link and called the number and its fully automated and all i get after entering my account info is to " refer back to your last statement '' So i went to a local Citizens Branch and they told me that branches ca n't process auto loans, but they did look up my account and tell me it was still active. 

So i have been trying every number of Citizens Bank i could to try and get this resolved and i have yet to speak to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regret to say I have not enjoyed being a customer of XXXX. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements Showing that these payments were late 'If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER Late. Thanks I have uploaded proof of my credit report below stating that these payments are being reported inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

On or around XX/XX/2021 I took out a loan with XXXX in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from XXXX. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both Transunion and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with 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. Transunion 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. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. The following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX  XXXX XXXX XX/XX/2024 As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent inquiry in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete this inquiry. Here I add the FTC report hoping that you make a better decision in my situation. Thank you.
Product: Checking or savings account

My account is set up to be able to overdraw by {$50.00} anything more and I get a denial. My account is with XXXX a subsidiary of XXXX which is managed by XXXX XXXX. On XXXX XXXX, XXXX went in for the auto payment that I had set up for {$510.00}. Needless to say, I only had {$100.00} in the account so I was not worried figuring that it would deny like anything else however, maybe because it was the same company, it was processed, and my account was at- {$450.00} approx. When I called asking about this because I was broken down and needed access to my {$100.00} ASAP they said that they did not have any control over it XXXX did but that it would reject and be back in the account the next day ( XXXX Hour Wait ) and there was nothing that they can do. I had to go an entire day with no funds available to me that should have been in my account.
Product: Money transfer, virtual currency, or money service

Hi, I initiated a wire transfer to a travel service in XXXX for a tour booking. The transfer was initiated on XX/XX/year> from Bank of America and the receipt is XXXX XXXX XXXX. The amount involved is {$1900.00}. The money was taken from my account on the same day but it did not reach the recipient. I called Bank of America and opened a Trace/Recall ticket # XXXX on XX/XX/year>. There has been no progress on this and the money has not being refunded back to my account. Can you please help resolve this issue? 

Here are the transaction details : Posting dateXXXXXXXX XXXX XXXX  Description WIRE TYPE : FX OUT XXXX XXXX ET TRN : XXXX FX : XXXX XXXXXXXX XXXX XXXX : XXXX TOURS AND SAFARIS ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX tour booking XXXX XXXX XXXX XXXX XXXXXXXX Recipient : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bank Code : XXXX Branch Code : XXXX XXXX XXXX : XXXX Sender : XXXX XXXX XXXX Bank of America. Account # XXXX. 

Thank you XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank ATM ate my {$420.00}. I recently helped my son purchase a used car. I wrote a check on XX/XX/XXXX for the down payment. Later that day we drove to the atm to deposit {$1000.00} to cover said check. During the deposit the atm broke. A message came up on the screen saying call this number to determine if your deposit went through. I called in to the claims department and was on hold for an hour and half and eventually fell asleep before speaking to anyone. The next morning i spoke to someone who did immediately credit my account the XXXX. However in XX/XX/XXXX they reversed {$420.00} of that stating that after investigating they determined I did not deposit {$1000.00} but only {$570.00}. They told me all I could do was talk to the branch manager and ask for a subpoena to look at the atm video footage. I asked if I should file a police report and was told that asking for a subpoena was like filling a police report at the bank level.. which sounded strange to me. I scheduled a meeting at the bank. I was told they had no clue about a subpoena or anything the claims department had told me. The Banker was very helpful and did all he could but I was basically told there was nothing else they could do. The Banker and I spoke to the claims department and attempted to get more info such as how they investigate this. I know exactly how many bills and the denominations I put in the machine. I even know that XXXX of the {$20.00} 's had been withdrawn from another chase atm from my son 's account on XX/XX/XXXX. I thought every bill was scanned. I thought they would have this info. I feel like there has to be a way to prove my money went in that machine but they've said it wasn't there. They're would not give me any further info about my deposit. {$420.00} is a lot of money for me!! It's highly frustrating that the bank I've been with for 20+ years won't help. I've been depositing cash in these atms for a decade. I use to count the money in front of the camera in case something like this happened but I don't anymore because there's never been an issue. So i don't even know if the video footage would be useful. But I think the atm info would be more useful
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a ding in my credit karma app saying I had a negative remark on my credit report. I had no idea what it was referring to and contacted the company to find out that I had an unpaid collection in the amount of {$53.00} that I was never billed for. It was a fee resulting from what my medical insurance didn't cover for a medical item. I was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this item. 

I spoke to XXXX in the consumer payment department and was told that they are " unauthorized to report credit charge offs ''. I requested to speak to a manager and was rudely and abruptly put on hold. She then returned and told me that the manager XXXX was unavailable as she just came into the office and would return my call later that day. She never returned my call. Shocking! 


Having this item marked as Paid in Full after paying it is inaccurate as I was never billed for this item. I want to pay the bill and have it REMOVED from my credit report. This business is conducting FRAUDULENT BUSINESS PRACTICES by refusing to bill their customers and instead just leaving negative marks on their credit reports.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, NE XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Credence Resource Management. I Dont not nor have I ever, have/had a contract with this company. They did not provide me with the original Contract as I requested.
Product: Checking or savings account

Opened account with SunTrust inXX/XX/XXXX and have made regular payments. I am based in XXXX and account was maintained satisfactorily. 

SunTrust became Truist and I wrote to them on XXXX XX/XX/XXXX asking for advice re future payments and obtaining a PIN. 

No response so wrote again on XXXX XX/XX/XXXX enclosing copy of previous letter. 

No response so wrote again on XXXX XX/XX/XXXX enclosing copies of previous letters. 

No response so wrote again on XXXX XX/XX/XXXX with copies of previous letters. 

No response so wrote again ( fraud department ) on XXXX XX/XX/XXXX again enclosing copies of previous letters. 

No response so wrote again on XXXX XX/XX/XXXX enclosing copies of previous 5 letters. 

Still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name Account 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 15 USC 1681 section 602A .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 an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any 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 knows or has a reasonable cause to believe the information is inaccurate.