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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. XXXX  reports XX/XX/XXXX. Experian reports XX/XX/XXXX. XXXX  Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. -CFPB- ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that were marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX month was paid, and XXXX affirm that was not paid, I never received the lease agreement, I'm really don't know what items they are claiming
Product: Credit reporting, credit repair services, or other personal consumer reports

Failing to address an issue of threatening behavior from one of their associates and the police report I had to file in XXXX, FL bank was a failing of the first closed investigation by cfpb.
Product: Consumer Loan

A month ago I filed a complaint about false advertising by Synchrony Bank. I received a letter dated XXXX XXXX, XXXX from Synchrony Bank 's representative agreeing to honor their advertisement and not charge interest to my account if it is paid in full in 24 months. Currently, I owe {$170.00} more on the {$1800.00} which I will pay in full next week. However, the bank is trying to collect some of the interest and finance charges they lost after agreeing to waive the interest if the loan is paid off in 24 months. They are doing this by alleging that I owe late charges. I have attached a copy of the loan breakdown which shows how much I am to pay each month, the date payment is due, the date payment was received and how much was paid. If you will note the minimum payment alternates from {$53.00} to {$88.00}. However, if you will note, the months I am required to pay a minimun of {$53.00}, the payment is always XXXX day late and I am charged {$35.00} late fee. The months I am required to pay a minimum of {$88.00} the payment was always received on time. I have called numerous times trying to reach XXXX XXXX XXXX to no avail. I have left messages on her voice mail but she never calls me back. I made a payment of {$100.00} the same week that I received the attached correspondence. Therefore, that payment is not on the document. It shows I have made XXXX payments of {$100.00} each instead of XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion Fraud Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Fraudulent Inquiries Due to Identity Theft Dear TransUnion Fraud Department, I am writing to formally dispute several inquiries on my credit report that I believe are a direct result of identity theft. My personal information, including my Social Security number, has been compromised, and these inquiries do not reflect my legitimate credit activity. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, any fraudulent information resulting from identity theft must be removed from a consumers credit report. In accordance with this law, I am requesting the removal of the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I have taken the necessary steps to address the identity theft by filing a police report and placing a fraud alert on my credit reports with the major credit bureaus. I have also included copies of the relevant documents, such as the police report, to support my claim. 

Please investigate this matter and remove the fraudulent inquiries from my credit report as soon as possible. Additionally, I would appreciate written confirmation once this action has been completed. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Product: Checking or savings account

I have been a Citi banking customer for at least 4 years and a Citi credit card customer since XXXX. 
As of XX/XX/XXXX I had over {$190000.00} on deposit between a Citi banking account and linked savings account. On XX/XX/XXXX I went to a local XXXX XXXX to switch to them as my cell phone provider. My phone number remained the same with the new provider. A few hours after switching providers, I attempted to log in to my credit card account on the Citi mobile app. After inputting my password I was brought to a screen which told me to call XXXX for a one-time access code. I thought it was strange because at this point I usually am able to have an access code texted to my cell phone, but I assumed Citi must be having technical difficulties. 
I called the number and instead of being given a one-time access code, I was told that because I " ported '' my number that I would not be able to log into my account. I asked how I could restore my access and they said that there was nothing I could do and that I would have to wait for " the process to be completed '' in order to log in again. Later, I was told that in 24-48 hours my access would be restored. It has since been 48 hours since I switched cell phone providers and I still have no online access which prevents me from completing many transactions, including wire transfers etc. ( I called again on XX/XX/XXXX and was still denied access. ) Understandably I have been very upset as that amount is virtually my life savings and it has caused a lot of XXXX not being able to view any transactions into or out of my accounts. 
I no longer wish to bank with Citi and I have since initiated ACH debits to transfer the majority of my funds to my other bank accounts ( which has been very difficult since I can not view any transactions online ). Customer service has been extremely rude/secretive and treated me like a criminal simply because I switched cell phone providers. I was able to verify my identity with ATM card number, PIN number, SSN, security passcode, etc. but apparently none of that matters. There is some mysterious " process '' that needs to be completed on Citi 's end but I can only guess what that might be because I am fully receiving all text messages to my usual phone number including from other banking institutions. 
I have an excellent credit score, perfect payment history, no history of overdrafts etc. and yet Citi has locked me out of all 3 of my accounts with them ( savings, checking, and credit card ).
Product: Vehicle loan or lease

The car was purchased in XX/XX/XXXX and was scheduled to be paid off in XXXX of XXXX. As I continued to pay the auto loan off, it was sold from the original loan holder to the current loan holder, Westlake portfolio. The payoff amount continued to increase and never indicated the payoff occurring at the time of the contractual agreement. I contacted the company through a law firm and have not been able to get a respectful answer or solution to this concern. The last time someone spoke to me was on. XX/XX/XXXX. A supervisor named XXXX XXXX. She said the companies attorney, XXXX XXXX, would contact me and freeze the reporting until this matter was rectified. To date, this has not happened, and they continue to report to the credit bureau on me being late or missing payments. This has dropped my score by over 90 points.
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. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is blocking lenders from pulling my credit report for a mortgage. Two different lenders have tried several times over the last 3 months, always receiving this error message : Inquiry information identified as fraudulent by consumer. When they call Equifaxs business support line, available only to lenders, they are told that I, the consumer, must call the consumer support line. I have done so many times, speaking to many people over the last 3 months, and each time Im told that there is nothing no flag, freeze, block, etc. preventing the lender from pulling my report. They say they know nothing about the fraudulent error message, that only the business support team sees that, and they refuse to allow me to speak with that group. Interesting that one lender was able to get my report in XXXX, but when he tried again in XXXX, XXXX, and XXXX received that fraudulent error message. I am about to lose my home ; I have already had one lender give up and pass me off to another lender because hed reached the end of what he was willing to do, given the constant finger-pointing back from business to consumer support. Please help!
Product: Debt collection

I am writing to formally request that you cease and desist all communication and activities related to me through any form of media or third-party entities. As of this date, there exists no valid contractual agreement between your company and myself. 

I would like to bring to your attention that any attempt to report false information about me to credit agencies, including threats to post negative remarks on my credit report, is unwarranted and constitutes a violation of my rights. I have not provided my social security number to any party associated with your company, and any such unauthorized disclosure would be deemed as a serious case of identity theft. 

I insist that you immediately cease all attempts to contact me and refrain from any further actions that may harm my reputation or credit standing. Failure to comply with this request will leave me with no choice but to pursue legal action to protect my rights and interests. 

Please acknowledge receipt of this letter and confirm in writing that you will comply with my demands as outlined herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 {$1000.00} The company is Moneylion. 
I disputed as fraud. I contacted the company and got no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Transunion, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX, TRANSUNION, & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be  compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX  Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX  XXXX XXXX XXXX XXXX   XXXX Transunion Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX XXXX XXXX Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Product: Vehicle loan or lease

I requested a rewrite to lower my monthly payment due to hardship. Ally sent documents for me to sign and charged a rewrite fee of {$220.00} which is in money order. I sent all signed documents with the money order enclosed together with money order through XXXX. It showed in my Ally account that the money order of {$220.00} was received by Ally on XX/XX/2018. The due date is XX/XX/2018. But Today, XX/XX/2018, I was told by Ally that my documents was not received in a timely manner. That the rewrite is not valid. But it shows on my Ally App that Ally receive the rewrite fee of {$220.00} in ( money order ). I was told by this company that all transaction was not anymore valid. So I now I have past due of {$1100.00}. I was suppose to start monthly payment of {$310.00} on XX/XX/2018 of Ally acknowledge the agreement & documents signed. I sent documents & money order to Attn : Workout Team Rewrites, Ally Financial at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Ally Workout Team Phone number XXXX. 
Please help. 
Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to investigate my dispute and the false accusation of using an unauthorized third party. 

On XX/XX/XXXX, I submitted a dispute letter to TransUnion regarding the following items : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX. XXXX XXXX  - XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  - XX/XX/XXXX - Unauthorized Inquiry Additionally, I addressed concerns about incorrect personal information, including names and addresses. 

I recently received a response from TransUnion dated XX/XX/XXXX, in which they refused to investigate these items, claiming they do not believe the dispute is coming from me. This is a false accusation, as I did submit the dispute myself. I am attaching a copy of my original dispute and TransUnion 's response as supporting evidence.
Product: Checking or savings account

I opened a safety deposit box at truist bank at XXXX prosperity XXXX XXXX XXXX XXXX XXXX Florida XXXX, on XX/XX/XXXX, of 2023. I deposited titles and proofs of ownership to the equipment i own into the box. I have since lost the keys they provided me to gain entry to the box. I've called them dozens of times, in an attempt to regain the contents of my box, with no cooperation. I've escaladed my issue up the chain of command to corporate. XXXX XXXX XXXX assured me that she would take care of it. since then she has been radio silence. refusing to answer my calls or return my calls, despite numerous voicemails I've left to her personal office line. I've even emailed mr XXXX XXXX ( chief XXXX XXXX ) with my concerns. no response from him either. I've tried hiring lawyers. none of them will take the case. I'm at a stalemate.
Product: Credit reporting or other personal consumer reports

I called the annual credit request for all three credit reporting agencies to send a report. And since all three failed to mail a copy I called each one directly to verbally request a copy of these credit reports that are causing the principal from being denied credit. All three XXXX, Equifax and XXXX have failed to disclose My Right to the file.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX was sent from my account to someones Zelle account after my phone was lost/ stolen.
Product: Credit reporting or other personal consumer reports

XXXX has flagged my credit report with several late payments and my account is set up on auto pay.

but furthermore, please see below.

15 U.S. Code 1666b - Timing of payments ( 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 XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

I discovered back in XX/XX/XXXX that a lawsuit was won by my State Attorney against XXXX and consumers whok had loans or have loans with them from XX/XX/XXXX to XX/XX/XXXX as well as repos. My vehicle was repo in XXXX XXXX. I called XXXX ( the original loan owner ) as well as the current company the loan was sold Deville Management both companies were called 3 weeks ago on XX/XX/XXXX asking about the information about the loan being removed on my credit report due to the lawsuit and me no longer oweing anything due to the XXXX Settlement and both companies act as though they didn't know what I was talking about.
Product: Mortgage

Nationstar Mortgage, I have never had any part of this creditor and this is a violation of my consumer rights. This is also a debt that belongs to an ex spouse soley. this has been court ordered as well. This is incorrect information and should be removed from all credit reports asap.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that I didnt authorize. It appears my identity XXXX have been stolen, as I did not approve these accounts. I've previously raised this issue and now urgently request these accounts be swiftly removed from my report. Their presence is causing me significant XXXX  These entries do not accurately reflect my credit history or financial practices, and dealing with this situation has been challenging. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These inaccuracies on my credit report are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a prompt resolution to this issue.