23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice that the following account notations and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 

These are the errors that must be corrected immediately to avoid such penalties : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID My latest EXPERIAN report number XXXX XXXX U.S.C XXXX 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

The aforementioned Corporations have not provided a notice that complies with 15 U.S.C 6802 ( a ). This is a violation of consumer and customer law.

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added Do not delete the accounts referenced above, correct it so it reads PAID. Your company has violated consumer protection laws numerous times in relation to these accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws.

If you can not procure and produce a statement signed by me allowing them to share such negative information you must remove these negative items at once. These documents should be in your possession now. You shouldnt have to contact the Corporations listed above. Without delay remove these negative notations from my consumer report with haste as my ability to contract in commerce is presently being negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX  Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my mortgage company about late payments that I considered not late. 
I have one in XXXX, 6 in XXXX, 4 in XXXX, and 1 in XXXX all of these dates are 15 days late from the first of the month, and one or more days after the grace period which is after the 15th of the month. I am charged a grace period fee and a 30-day late payment penalty. Then I question them how can this be when it is only 15 days late. I was told that they were correct because the state law allows them to penalize the borrower for the full 30 days after the grace period. 

My question is to you all is this fair to when it stated on my credit report, this is a 30 days lateness, not 15 days. I am being cheated out of 15 days, the law is wrong. 
Who has ever known this law existed to favor the lawn company? 
Show this be changed to fit both the borrower and the lender?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached all XXXX bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Product: Consumer Loan

Lyon Financial has approved me for a pool loan. However they refuse to follow AZ statute : AZ Rev Stat XXXX. The statute states that the pool contract must have payment provisions outlined in the pool that follow a specific payment schedule. Lyon Financial refuses to follow the payment schedule as required by AZ statute. Lyon Financial states that they do not have to follow the statute because the do no " specialize '' in pool loans. They also state that because the loan is a Unsecured Loan that the state of AZ does not regulate the loan. Lyon Financial is stating that they will not release funds to the pool contractor until pool build is complete. 


XXXX. Swimming pool ; spa ; construction contractsA. In addition to the requirements of section XXXX, a licensed contractor who enters into a contract for the construction or installation of a residential in-ground swimming pool or spa with a purchaser who resides in the residence or who intends to reside in the residence after the completion of the contract shall include at least the following provisions:1. A provision providing the purchaser the opportunity to request standard contractor 's payment and performance bonds in a form approved by the registrar, securing the completion of the work and payment for services and materials. The cost of the payment and performance bond shall be paid by the purchaser of the swimming pool or spa and the contractor shall not charge a surcharge or a service charge. 

2. The following payment provisions : XXXX a ) A down payment payable on the execution of the contract of not more than XXXX XXXX dollars. 

XXXX b ) After the completion of the excavation work on the swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX c ) After the installation of steel, plumbing and pneumatically applied concrete materials or the installation of a prefabricated swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

( d ) After the installation of decking materials, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX e XXXX Before the application of the finishing interior materials or completion of all work on a prefabricated pool or spa, payment of all remaining sums due on the original contract plus any written change orders approved by the purchaser.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX 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. 



Also they aren't even in compliance with metro 2 credit reporting. have evidence to prove my case!
Product: Debt collection

On XX/XX/2022, I paid an alleged of {$150.00} to trueaccord a debt collector in connection with XXXX  formerly known as XXXX. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.
Product: Checking or savings account

On XX/XX/2019, I attempted to open an account due to information obtained from : Early Warning Services , LLC, Attn : Consumer Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, it was denied. I faxed correct forms and 2 ID copies to this agency on XX/XX/2019 and received confirmation it was received. They only ask for one, but I furnished them with two IDs. They have refused to furnish me with my consumer report claiming ID was not readable. I have an exact copy from the fax machine showing both IDs are clear and legible. This agency wants to report something negative to the bank I attempted to open an account with no regards to the consumer and no verified proof the information they are reporting is correct and has failed to allow me to obtain a copy of what they are reporting so it can dispute the information. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!!!! Such agencies are allowed to report anything they want on a person with no regards as to how it effects people. The consumer is required to jump through hoops to protect their rights while this agency reports inaccurate information. The burden of proof and the effort involved to correct errors is ridiculously placed on the consumer while agencies report whatever they want!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$890.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that TransUnion is reporting a fraudulent account from XXXX XXXX XXXX, related to XXXX, with a balance of {$630.00}. This account is the result of identity theft and was not authorized by me. Despite providing TransUnion with an FTC Identity Theft Report and supporting documentation, they failed to delete the fraudulent account. Additionally, TransUnion violated the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation ( 15 U.S.C. 1681i ), ensuring maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ), and blocking identity-theft-related data as required under 15 U.S.C. 1681c-2.

TransUnions failure to address my dispute aligns with the CFPBs findings in Case No. XXXX, which cited systemic issues in TransUnions dispute handling processes. This includes neglecting consumer documentation, excessively deferring to furnishers, and failing to block identity-theft-related accounts. These actions are causing significant harm to my creditworthiness and financial stability.

What would be a fair resolution?

Immediate deletion of the fraudulent XXXX XXXX XXXX account from my credit report.

Written confirmation of the deletion and a copy of my updated credit report.

Implementation of proper procedures to ensure compliance with FCRA and CFPB guidelines, including reasonable investigations and blocking identity-theft-related information.

TransUnion must act promptly to rectify these issues to prevent further harm and uphold its obligations under federal law.
Product: Debt collection

I received a call from a male who wanted to verify my personal information. I refused to verify anything until he verified where he was calling from. He advised he could not dislcose this information without verifying what he was asking. I advised him not to call and remove my name from his list. He started to get aggresive and I hung up on him.
Product: Checking or savings account

Dear whom it may concern, My name is XXXX XXXX. I am writing to you today regarding an unexpectedly closing of my Checking and Saving Account without any reason by Citi bank Checking and Saving on XX/XX/year>. 
I was using Citi Bank Checking and Saving since XXXX it has been designated as my work Direct Deposit when I start working at my current job. Citi Bank Checking account is where me and my wife use as a reliable account to pay some of our bills and transfer my monthly salary left after bill into savings for rainy days. 
My wife also use XXXX as a high yield saving account. Evidence can be found in previous statements. 
however, on XX/XX/year> when we decide to transfer {$76000.00} from XXXX Saving Account into Citi Bank Checking, Citi decides to close my Checking abruptly and leave us with many questions. Needless to say, it cause stress and anxiety for my family. both of us are losing sleep and can not accept the fact that our hard earn money is out of reach without any explaination. 

Citi Reference Number : XXXX Therefore, I would like whom this may concern can help open our account back and help resolve this situation quick. 
Let us know if you have any concern. 
Thank you for your help.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I recently checked my credit reports and noticed billing errors, incomplete and inaccurate information. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )
Product: Credit reporting or other personal consumer reports

AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I made several attempts to fix this collection on my all my reports for years now with XXXX outcome. NCB Management Service does not understand i was a victim of the last hurricane in XXXX florida which destroyed my home my car and lost everything i filed with the IRS 1099c to forgive all debt not only can XXXX or XXXX XXXX  or NCB Management collect on this debt and it should be removed immediately from all credit bureaus and if they continue the harassment i will be forced to file legal action against them. Not only was XXXX also violating state law by charging ridiculous intrest rates which mand predatory practices which i reside. So if NCB Management does not which to be called in lawsuit i highly suggest they remove this collections from my reports XXXX, a lending service under XXXX XXXX, has been involved in several lawsuits, including those in Florida, due to allegations of unfair and predatory lending practices. Common issues include charging excessive interest rates, misleading borrowers about loan terms, and withdrawing funds from customer accounts without authorization. 

For instance, a borrower in Florida claimed that XXXX misrepresented loan terms, resulting in payments the borrower could not afford. XXXX, which operates XXXX, was recently fined {$15.00} million by the Consumer Financial Protection Bureau ( CFPB ) for violating consumer protection laws, including unauthorized account debits and deceptive communication about loans. 

If you believe youve been impacted by XXXX practices, you might consider consulting a consumer rights attorney or filing a complaint with the CFPB to explore potential legal remedies.
Product: Debt collection

I have tried for several years to correct my issues with the three agencys as well as the debt collectors once I found out they were on my credit report, they are all from : Bull City financial solution : ( 1 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX ( 2 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX When I spoke to there billing department they stated that it was a automated duplicate bill due to them changing there billing soft ware. However they would correct the problem but the collections agency left it on my credit report. 
( 3 ) XXXX XXXX amount {$150.00} XX/XX/XXXX ( 4 ) XXXX XXXX amount {$150.00} XX/XX/XXXX Again its the same problem, the billing department states one thing and the collections agency and credit departments still turned in on my credit report.
Product: Mortgage

I am trying to refinance. Freedom mortgage has had 9 requests since XX/XX/2020 for my payoff by my escrow company. I have numerous emails and names of who they have spoken to and all of the processors at Freedom mortgage are stating that they did not get it, when I have been given proof that faxes have been received, calls have been made. 

Requested payoff XXXX Checked on payoff XXXX was told it would be here in 5 days checked for payoff on XXXX told they never received request resent through fax XXXX was told I would have it in a day XXXX was told they never received the request XXXX called spoke to two people one in the XXXX we have everything we need and will get it to you XXXX XXXX  We are working until XXXX XXXX  we will get it XXXX spoke to someone ( name in my file ) told it would get here on the XXXX due to virus. 


We just need a payoff. My new refinance loan lock is going to expire and it will cost me {$900.00} to keep my lower rate. 

I need some help. Now their phone number is not taking calls.
Product: Credit card

As of XX/XX/year>,, I received a pop-up on my credit card statement informing me that my Macys store account has been cancelled. I was told that a letter was sent to me on XX/XX/year>, formally informing me. I called the Macys XXXX XXXX, on XX/XX/year>, speaking to XXXX. XXXX put me on an extended hold while he spoke to a supervisor. XXXX verified by home address and email address to send me the document ; I have yet to receive this document as of XX/XX/year>. I received no terms or conditions ; no information on how this action impacts my credit ( and credit rating ) ; does this mean that my credit will continue to be charged retroactively at a higher interest rate ; what information was provided to the credit reporting agencies. When I ask these hard questions of a different call center employee, XXXX, on XX/XX/year>, she continued to give me no information as if she didnt understand the questions. This is typical of Citibank! I received an email from Citibank on XX/XX/year> @ XXXX XXXX. The email instructed me to call the number listed on the email. It was XXXX. This is smelling of countinuing fraudulent behavior by Citibank. I am disturbed, because this is the same behavior I wrote to you about in XXXX, while you were still a division of XXXX Treasury XXXX Their fraudulent behavior continues XXXX  years later by withholding consumer required documentation and ruining the credit of innocent Consumers.