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

On XX/XX/XXXX, i filed a complaint with cfpb, case number XXXX- the companys response stated they will report my concerns, this is well over A YEAR AGO, and the bureaus response is unacceptable, and time has lapsed. In summary - transunion is reporting a bankruptcy on my report and can not provide verification, athough they appear to have validated this account, I, the consumer have the RIGHT to demand HOW they validated. I have a letter from the court that they did not FURNISH this information and all other data collectors and buyers have been FROZEN please provide HOW transuinon validated this information, They have been given enough time, and their response is insufficeint, Please do not close this complaint, as i am taking careful notes to report to other agencies. i have, attached the letter from the court, their several claims of validation from XXXX and XXXX. They have reported an address on my credit report of the bankruptcy court, which was RETURNED to me for a wrong address, in which i will also attach. I am getting the run around from transunion, who will not respond approriately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$460.00} XXXX XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dearest CFPB, I've been writing letters to these consumer reporting agencies since XX/XX/2023 and this will be my 6th letter to dispute this one and only inaccurate account that I've found on my credit report. 

XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX That said account has already been deleted on my XXXX but Equifax and XXXX are still reporting this despite showing them proof of inconsistency of their reports. Equifax and XXXXXXXX XXXX descriptions were far too different from one another. I don't know how they validate and verify this as accurate where their information don't even match with each other. 

In addition, I have found out numerous credit inquiries that was run by someone I don't know, and I have no knowledge as to why they have to run inquiries on my credit report. I want that to stop right now! 

XXXX has my personal information entered WRONG! My date of birth, previous address, current address and employer were incorrect. 

These are already forms of INACCURACY. Hence, I demand the deletion and removal of the aforementioned account as soon as possible.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ) Date of last activity is different across all three credit bureaus. 
2 ) Balance is different across all three credit bureaus. 
3 ) This account was settled on XXXX XXXX. 
4 ) This account still reported XXXX to start over date of last activity. 
XXXX XXXX XXXX ) Still showing a balance across all three credit bureaus. 
2 ) Credit bureaus is still showing XXXX to change date of last activity. 
3 ) Account was settled in full on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint cause I have had an issue with fraud and I have tried to resolve the issue and It has been very frustrating. I had fraud occur to me with XXXX XXXX  XXXX XXXX. I have tried to resolve the issue with the bank directly and have had no luck in getting this matter resolved. 

I filed a police report an also an FTC Affiidavit which I have attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$13000.00} XXXX XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXXXXXX BALANCED {$1300.00} XXXX XXXXXXXX XXXX BALANCED {$2500.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX ) XXXX Balance : {$340.00} These several fraudulent accounts and appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act, this creditor has violated my rights! Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX I received a collections letter in the mail from CKS Financial a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance amount owed was {$900.00}. After calling CKS Financial, I found out that it was my stepmother that had actually taken this debt out in my name. Went to the police station made a report. I live in Ohio and have lived here for 5 years and at the time this account was opened in Louisiana. I thought once I sent the report to Louisiana that this was taken care of. I called the credit bureaus and let them know this account was identity theft. Two years later I receive another collections bill from over a year ago done by my stepmother did another account in my name. Went to our police department filed a report made copies sent out to all credit bureaus, debt collectors, filed a report on IdentityTheft.gov. It has been 16 days since I mailed a certified letter to XXXX XXXX XXXX with everything included. Police reports x 2, copy of my drivers license, letter disputing the debt. Have not received anything from them, my wife called this morning and all XXXX XXXX tell her was she had to contact CKS Financial. My wife called CKS 2x 's, they finally put an office manager on the phone for XXXXXXXX XXXX XXXX she told my wife that XXXX XXXX bought back the account from CKS debt collections due to it being a fraud case. My wife called XXXX XXXX and they keep telling her they can't help she has to contact CKS debt collectors. Between the both they are just giving us the run around. But XXXX XXXX XXXX is still on my credit reports as a debt that I owe. I have went on the identitytheft website and printed up their dispute letter along with the notice to Furnisher 's Information. I will mail this out tomorrow with certified mail, and make copies for my records.
Product: Checking or savings account

Case 1 : XX/XX/year>2024, funds were deposited into checking account in the amount of {$6300.00}. Giving a balance of {$7000.00}. I proceeded to fund my uphold exchange, {$4000.00} for a purchase thatXX/XX/XXXX advanced and will process 3 business days. However, even though the deposit into NFCU XXXX Navy Federal Credit Union ) was posted and cleared on theXX/XX/XXXX on theXX/XX/XXXX XX/XX/XXXX had resent my investment citing insufficient funds which then made my trading account negative and the difference was liquidated by other investments held.
Product: Credit reporting or other personal consumer reports

Transunion has sent a response stating that they are working on my complaint however they have failed to properly investigate and still added late payment to my credit report without properly identifying if this account belongs to me which is further tarnishing my credit history and payment history. If these accounts are under investigation and they have since been any to provide any information regarding that they belong to me why would they add late payments to my credit report before finalizing an investigation. A full investigation should take 30 days which is still underway and they have since violated the fair credit reporting act and placed these negative items on my credit report. These accounts need to me removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is unauthorized. I already sent a letter to XXXX, Experian and XXXX multiple times but until now, this still is being reported. I never authorized this company to run my file.
Product: Mortgage

The loan was transferred from XXXX XXXX  XXXX to SN Servicing. 
According to what was told to us it was transferred in XX/XX/2019. We received no correspondence. In XX/XX/2019 we started to receive numerous collection calls. 
We have a authorized third party reaching out to SN Servicing on our behalf and they could not speak to anyone on the loan. Before we were made aware of the loan servicing transfer we could not get any information on our loan transfer from XXXX and no information from SN Servicing. After numerous call from the asset manager. 

On XX/XX/2019, the asset manager, sent a request of a {$10000.00}. payment on the account. The statement that we received from SN Servicing does not show or reflect a {$10000.00}. payment that we made on the loan. 
A payment of {$10000.00}. was paid on this account Ck # : XXXX on XX/XX/2019. 
Where was the payment applied? What is really owed on our loan?
Product: Vehicle loan or lease

XXXX XXXX XXXX promised me XXXX a new XXXX  XXXX if I traded my car in they would use part of it as a down and the rest cash, they said oh they can do it then they change their tactics saying I need to put XXXX down I am complaining to the Nissan Motor Acceptance Corporation Fulfillment department for denying credit, I was discriminated against for credit denial, I want to purse this matter XXXX XXXX XXXX needs to give the XXXX for XXXX down, and low payments, they pressured me into trying to get it wonder if they took my trade, then I could not even maybe get my car back and would have to return the car,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion as they want some inaccurate information on my credit report through XXXX XXXX  The name on the accounts when where in accurate as it was a different name to my name on on the account The two accounting in question where from XXXX XXXXXXXX XXXX XXXX XXXX XXXX I contacted them but they would not discuss this with me as they could not discuss all the people 's personal details I told them that they have my step brother instead of me on the account as we both lift that the same address at different times his name is XXXX XXXX XXXX has he changed his name by XXXX when my dad married his mum I think this is led to confusion on some credits reports as my name is XXXX XXXX XXXX my step-brother how's it different date of birth to me so I don't know how this happened I told that to TransUnion but then refuse to believe it. I want this dispute resolved
Product: Checking or savings account

I am humbly asking to be heard on this issue. I have attached a letter, exhibits of proof to support my case from PNC bank, XXXX XXXX email, and Police report. 
Thank you in advance for your attention on this matter.
Product: Credit reporting or other personal consumer reports

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Product: Checking or savings account

My Online Savings account with Goldman Sachs Bank USA ( under the brand name Marcus ) was opened on XX/XX/2020. The account was funded on XX/XX/2020. On XX/XX/2020, I found that online banking access was blocked, and I had no access to my money. I was shocked because I never received prior communication ( neither email nor letter ) regarding this block. I did not know when the account got blocked, because I did not use online banking very often to check balance. On XX/XX/2020, I called Marcus Customer Service, I was told that someone from their Specialist Department would call me within 24-48 hours. Nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent put me on hold for half an hour, and she promised that the Specialist Department would call me within 24-48 hours. I insisted that I could hold in line to wait for the Specialist Department to have time to speak with me. I was told that the Specialist  Department was busy. Then I offered to make an appointment for their best time for the call, because the Specialist Department already failed to keep the promise. I was denied of such an appointment, and the agent guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist  Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account is still blocked. My account is still blocked, and I still have no access to my money. For the duration of two weeks, I called Goldman Sachs Bank four times, but to no avail. Their Specialist Department never called me, and never unlocked my account.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companys Ran my credit without consent multiple times . XXXX XXXX XXXX
Product: Debt collection

The ex-wife of my ex-husband of 25 years had a voice mail that she felt she needed to send me and it was a automated message about me and a debt. They did not say who they were in the voicemail. I called them back and told them to never call her again or anyone and that they shouldn't be leaving voice messages not knowing who they are leaving them with. I am not even sure why they are linking me with her. 

I called them to get the name of their company and to find out why they were calling. They only verified me by my caller ID. They didn't ask for any other information before telling me that I had a credit card that needed paid and they could take payment then. It was not the credit card company calling and the debt is from XX/XX/2016. I asked them to send me the information about the said account that I was not claiming it as mine or was paying something I was not sure about. They said they could email it. I gave them my email and got a an email to " opt-in '' which I am not doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus did not respond to my complaint according to the law. 
According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions. XXXX, XXXX and Transunion, are reporting late payments on XXXX accounts ( XXXX XXXX  ) XXXX # XXXX and XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumers to whom it relates. I never gave XXXX, XXXX or Transunion written instructions to report anything to my consumer report, let alone these late payments. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure those consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
with the respective complaint id XXXX for transunion. for XXXX XXXX and experian XXXX.