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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Its clear to me after not being approved by CITI several times, that for some reason, they are blocking me. And that is discrimination. 

My XXXX XXXXXXXX AAdvantage  card in XXXX was a noteworthy account then changed to Platinum Select Card.XXXX XXXX, it continued to be noteworthy. In XX/XX/XXXX, I paid my {$99.00} membership from the bill I received from CITI. But something happened with the account on XXXX XX/XX/XXXX, when I paid my annual membership fee of {$99.00}. There was a credit balance XXXX {$99.00}. On XXXX XXXX, I received a {$99.00} refund check. But the account should not have been closed. 

Request you review my account and see what negative comment is listed that is causing these problems. 

Since then, Ive tried several times to re-open the account but CITI WAS NOT HELPFUL AT ALL and they gave me a verbal negative short response. So I applied several times for a new XXXX XXXX AAdvantage Program and was denied by CITI both times. 

I would think a long and up-standing XXXX XXXX XXXX XXXX be treated much better than this. 

After a thorough review of my credit report provided by XXXX, there are only positive comments. All reflecting that I pay my debts on time and that I pay more than monthly amounts. 

I did not include my husbands income, but since his new car is listed, you need to increase our annual income to $ XXXX. We have XXXX house that is paid in full, and another house that is paid in full but has an equity loan of $ XXXX. 

I did not include his information for he is already in the Advantage Card program. He has his card for his travel interests, and I have mine for when we do not travel together. XXXX trying to purchase an XXXX XXXX ticket for XXXX, but this is holding me up from doing that. 

Discrepancies with the credit report - XXXX address that are listed that are not mine. I never resided at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id never live in XXXX ) and XXXX XXXX XXXX. Those address need to be removed from my report immediately and any comments related. 

Appreciate your assistance in correcting these infractions immediately. 

Happy XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

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

There are several charge offs reporting and that's illegal to do because charge offs are considered cancelled debt abnd according to the IRS cancelled debt is considered income, and income can not be reporting in a consumer report. The document attached is evidence from IRS websiteindicating about cancelled debt and how its income and the XXXX consumer reporting agencies reporting the the charg offs stating the law USC 1681. i have never authorized the bureaus to report this and this is DEFAMATION. I can litigate the bureaus for they are reporting information that's not supposed to which will damage me financially and enotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never received a call from Wells Fargo Dealer Services to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXXXXXX and the next payment was XX/XX/XXXX, 29 days later and Wells Fargo Dealer Service reported my account delinquent for more than 30 days. I need them to fix this problem right away.
Product: Mortgage

I received a call from XXXX XXXX from Huntingtons foreclosure department who asked me to submit a payment of XXXX dollars. Originally, I was asked for payment of XXXX. I sent him proof that I could pay. But, he increased the amount required to stop the foreclosure of my home up to XXXX. When I spoke to a different representative he also told me the ammout desired is XXXX instead of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please XXXX of XXXX remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Product: Checking or savings account

I was attempting to recieve a deposit to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Florida XXXX the deposit was from XXXX XXXX  and the deposit was initiated on XX/XX/2018. The day that the deposit was received by the bank I was emailed asking for additional monies when the deposit was already at the bank location. The monies was withdrawn on the XX/XX/2018 by the member of customer service who came from XXXX VA after noticing the deposit amount after calling the customer service line about if the deposit arrived. In other word the monies were stolen after the bank have in to this bullying, and now these monies are being used against me, things like threats of terrorism, and threats of violence. XXXX XXXX XXXX XXXX made a donation to me because they understand my situation with my parents and I am pretty much without any help from anyone. As I notice that after the monies was stolen. Even Navy Federal Credit Union on XXXX noticed the amount of the deposit and gave in to the theif who is now emailing me asking me for {$1200.00} when the monies were already deposited. Included is a copy of the deposit transfer sheet and a copy of what the theif wrote me saying there was something wrong with the deposit. The monies were stolen in person by this by XXXX XXXX XXXX at the Navy Federal Credit Union location on XXXX XXXX, and XXXX XXXX, some of the monies are stashed in XXXX savings account of XXXX XXXX with all the evidence and identification of the person who stole it she just went along with it, the person who was sued by XXXX XXXX XXXX XXXX as we speak there is a leave XXXX in a XXXX  XXXX XXXX also stolen off XXXX headed down XXXX XXXX towards XXXX, the monies was in cash which they were aware. All evidence supported with a follow-up reference from witness at Navy Federal Credit Union in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my credit report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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 XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX  rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, Equifax, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact Equifax, XXXX, XXXX to correct their reporting of me - again, not late, but in a modification program.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED XXXX CHARGES XXXX XXXX XXXX debited/assessed XXXX charges to my credit card account ending in XXXX from XX/XX/XXXX, through XX/XX/XXXX. I disputed the charges as I have with XXXX. In the attached letter to me dated XX/XX/XXXXXXXX XXXX XXXX  reversed all {$2.00} charges to my credit card and which should have also corrected the 30 days late payment XXXX XXXXXXXX XXXX reported to XXXX, Equifax, XXXX and MY FICO as 30 days late. Since it is XXXX XXXXXXXX XXXX responsibility to correct the negative reporting, they failed to do so. 

PLEASE NOTE, THESE CHARGES APPEAR IN THE FORM OF {$2.00} ON IN MY CREDIT REPORT FILES, ALTHOUGH THE ACTUAL CHARGES ARE {$2.00} EACH. 
XXXX XXXX XXXX  removed all charges and reversed the XXXX through XX/XX/XXXX {$2.00} charges and specifically XX/XX/XXXX late fee and late reporting but have failed to report to the credit bureaus to correct the XXXX late payments my credit reports. As of today, XX/XX/XXXX, the {$2.00} charge which is being reported as {$2.00} charges to all four ( MYFICO, EQUIFAX, XXXX AND XXXX ) is still reported as XXXX late and reflects as a negative account, reducing my credit scores and making me look like a potentially slow paying customer. This has already caused me negative experiences when applying for financial help. 

Please have XXXX XXXX XXXX removed these {$2.00} charges removed from all XXXX credit reports ( MYFICO, EQUIFAX, XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF! 

PLEASE HAVE THE LATE PAYMENT REPORTED TO XXXX, EQUIFAX, XXXX AND MYFICO CREDIT BUREAUS CORRECTED TO REPORT AS {$00.00} AND PAID AS AGREED OR REMOVE THE ACCOUNT ALTOGETHER, AS I HAVE BEEN REIMUBURSED BY XXXX XXXX XXXX  WHICH IS PROOF THE CHARGE WAS FRAUDULENT BY XXXX. 

Remove the 30 days late payment for XX/XX/XXXX charge and any other months XXXX XXXXXXXX XXXX  reported from my credit reports, all of them. The XXXX charges were unauthorized as XXXXXXXX XXXX XXXX has agreed and verified in a letter to me dated XX/XX/XXXX.
Product: Credit card

I ordered a shoe from XXXX  store XX/XX/XXXX, amount was XXXX dollars the ordered said delivered and signed for by security, I never received the order and security at my building dont sign for packages. I reached out to XXXX and XXXX to try to revolve the issue, they keep insisting it was delivered and signed for by security, I dispute the transaction with chase bank XX/XX/XXXX, my dispute was denied and I was XXXX a total of XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I applied for a job and was turned down by XXXX because Sterling had me down for petty theft. When I call the sheriff office they said they had no information or arrest or warrants in my name. I notify Sterling and they still did nothing. I filed a dispute and again nothing was done. I called sterling and for help regarding the information. I told them I had identity theft. All my information was stolen. That was in XX/XX/XXXX. The report made was in XX/XX/XXXX. I was told they was going to look into some more and they came back with the same information but did not provide the documents proving that it was my information. Im asking for some documentation that shows this is my information.
Product: Money transfer, virtual currency, or money service

Google pay will not allow me to remove a credit card from my account without adding another card. I simply want to get my card out of the Google system and not use Google.
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled my credit report recently and notice unauthorized inquiries from the following companies. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any 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.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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: Checking or savings account

I was trying to open an account with XXXX XXXX upon running it they noticed I was in Chex systems for a XXXX  account under a social completely different from mine and an Adress that I have never used
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXX XXXX  ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on XXXX as a DEROGATORY, TransUnion as PAID, and XXXX as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

My name : This is my legal name XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
My address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida, XXXX. 

Enclosed are copies of documents supporting my claim, including ( State ID, utility bill ). These documents provide evidence of my correct personal information. 
Please investigate these inaccuracies and update my credit report accordingly. And I request a new report when you have completed so I may continue to verify its accuracy. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX