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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX  - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my credit file almost every month this year because of the inaccuracies showing. But yet the refusal to delete these inaccuracies are show because of the violations i saw on my report. 15usc.sec1681i,1681i ( a ) ( 1 ) ( B ) ,1681 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 1 ) ( C ), fcra 611 ( a ) ( 7 ) ; 616 ; 617 ; 15USC1681 Sec602 ( A ) ; 15USC1681Sec604ASec2. 

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

Some one has use my social security and got school loans from the Dept of Education/ XXXX . I  contacted them about this. They been giving me a run around.It been over 5 years. They never respond.
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX . And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the Revocable Living Trust XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

US Auto is reporting a closed account as having late payments. I had a vehicle financed through this company that was traded in prior to my payment date. It was paid off through the Company That I Traded it to. This was XXXX XXXX. They have constantly kept this false report on my credit.5 XXXX XXXX sent them a check on XXXX for the payoff. Yet they have false late payments reporting as of XXXX - XXXX. I ask that this please be investigated because Im positive that Im not the only one that they have hindered from progressing. This should be illegal and I wish to be compensated by the removal of this on my credit and added as having no late payments.
Product: Debt collection

On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.
Product: Credit card or prepaid card

I was at the Airport and the XXXX rep stated that the XXXX XXXX American Express waives annual fee for their cards to military members. That is what made me apply. I applied and was granted the card. About three weeks later I was billed the annual fee. When I spoke with someone they advise for me to apply for the SRCA, which then I was denied. I have been dealing with this for over 3 months. I have contacted via email, phone, and chat. My chat is below. I can not speak with anyone in the department but was told that my account was reviewed for MLA when it was first open and did not qualify. 
Yet the reason why I can not get SCRA is because I was on orders when the card was opened. The company has refused to apply MLA.
Product: Payday loan, title loan, or personal loan

i applyed for the loan in XXXX i started out asking for a smaller amount but the lady told me i was approved for XXXX so i decscided to go with XXXX and pay off all my bills and just have one payment every month but when i found out later i only got XXXX the lady went with me to the bank and i didnt get the money untill i paid my old title loan off so they could get my title i ask them to give me the other money she said i was only approved for XXXX but she lead me to believe i was getting XXXX i didnt know untill i went back to the office i only recieved XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent entries being added to my credit report without my knowledge or consent. 3 Unauthorized accounts and 2 inquiries have been placed on my report, and I did not authorize any of these actions. 

- Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already reported this identity theft to the Federal Trade Commission XXXX FTC ) and now request the immediate removal of these fraudulent items. This action is necessary to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, it has been 6 months since my Mortgage Loan Account has been closed with a XXXX Balance with XXXX XXXX. XXXX XXXX has failed to provide me with the Law or a copy of the Actual Updated information in which XXXX has illegally reported to Equifax on my behalf causing me harm and lowering my credit score-XXXX points on XX/XX/2021. XXXX XXXX nor XXXX has the Legal Right to Report or update any information pertaining to me.
Product: Debt collection

Back in 2013 my now ex-husband and I lived in an apartment, at which point we filed for a divorce. I had spoken with the rental agent about the remaining amount owed and she assured me that I was not responsible that my ex-husband agreed and put in writing that he would be solely responsible for paying the debt. I thought this was resolved but then at some point I noticed they placed it on my credit report. They never at any time reached out to me or sent notification that I owed this debt again prior to this I was told I did not owe them and not to worry about it. Once I realized this was reflected on my credit report I did contact them and they told me I would need to pay half. I was never informed until it was too late that anything was my responsibility with this debt. I don't think it's fair that they can tell me one thing and then do something else. At no point was I working and I should have only be listed as though I was a dependent since I did not bring income into the house at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Debt collection

This company has been calling me, my father, husband, stepfather and brother every day for over a week. I dont even know how they have some of these numbers. They call from a different number each time and have been calling at all hours of the day. Sometimes multiple calls a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru XXXX XXXX I find out that there where XXXX different contracts with XXXX different amounts that I was totally unaware of the one XXXX XXXX  has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out six months after i purchased but kept being told due to COVID-19 i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern
Product: Checking or savings account

In XXXX XXXX XXXX  I put down separate deposits of {$750.00} for two properties with a leasing company called XXXX. I cancelled both deposits, the leasing company sent me two separate checks to refund my security deposits. I received the checks separately by mail. I cashed the first check for {$750.00} around the XXXX of XXXX and the second check on XX/XX/XXXX. Shortly after that I received a notification that my accounts would be closed and my funds frozen. 

I went directly to my local branch manager who was extremely helpful, I showed her the information from my leasing company indicating that both checks are refunds for security deposits. Unfortunately, the entire fraud department for Citi is located overseas and we stayed on the line for over an hour to no avail. I explained multiple times the reason for these refund checks but the fraud department refused to accept my reasoning. They insisted that only the leasing company can call and confirm that their checks are legitimate. I've spoken with my leasing company 's accounting department and provided them the number for Citi 's fraud department but they have never been able to get through to anyone. 

I've called multiple times and the fraud department is unwilling or to incompetent to connect the dots. They are unable to explain why the first check I cashed was fine but the second check for some reason was flagged. It has now been more 60 days that my money is inaccessible. I'm also unable to open an alternative account due to the XXXX  flag resulting from this unwarranted account blockage.
Product: Credit reporting or other personal consumer reports

I see that XXXX and Equifax are reporting XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b 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. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and Equifax are all consumer reporting agencies, and I am the Consumer. 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 XXXX 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to XXXX5 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of XXXX XXXX XXXX, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 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 Equifax are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

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 I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) 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. 

AND according to XXXX XXXX XXXX they are suppose to 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: Student loan

I had student loans from about XXXX that were managed by ACS loaning company, they then sold my accounts to XXXX, and XXXX has recently sold them to XXXX. I qualify with my employer whom Ive been with since 2007 for PSLF, however XXXX is not showing any of the payments made with ACS. Im at a loss on what to do or how to get this addressed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that Experian didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed mt credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. Thank you.
Product: Checking or savings account

My accounts were hacked I filed dispute with Venmo they sent me email to send in ID which I did and immediately got email saying they closed my account and will release my {$1100.00} after XXXX months. It's XXXX and I can't pay my rent now. We're going to be evicted and Venmo doesn't care. They are making money off others money for XXXX months how's this legal? If you close my account fine but I need my money my sons in XXXX and I can't even get gas now to go to hospital. Email is attached that I received saying to send in photo ID to have account unfrozen. How's it fair that I file dispute and me the customer is penalized for it. Seems like retaliation to me for filing dispute
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, Virginia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.My contact information is as follows : Name : XXXX XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX, Virginia XXXX