23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX XX/XX/21 XXXX XXXX XXXX XXXX charged my accounts to my unemployment debit card. An initial seven-day trial was opened. On XX/XX/XXXX, {$50.00} and {$29.00} were charged. My unemployment debit card is issued by Bank of America and a dispute has been filed.
Product: Vehicle loan or lease

The auto loan account was paid in full in or around XX/XX/2019.  With this a payment in full was dispatched from the dealer to Bank of America and received by them on or around XX/XX/2019.  

Bank of America is indicating the payment in full was received approximately 10-12 after the 30 day grace period.  While it did take longer than expected to process the payment in full, I fully communicated the matter with Bank of America and in fact contacted the Auto Loans Department every other day or so for more than 2 weeks (6-8 separate times) to check on the status of the payment and loan.   Exact dates and times of calls can be provided.  During these same calls, I asked about the potential the account would be late more than 30 days.  During each discussion, I was assured by each individual I spoke with the account was marked and noted as a final payment being processed from dealership and provided the dealership information to at least 2 of the Bank of America Representatives.

OnXX/XX/2019 I received a notice from XXXX XXXX and XXXX (through my credit monitoring service with each) that my credit report has been changed.  Upon logging in, I learned Bank of America reported the account as paid in full, but with a footnote as the final in full payment being late.  

Subsequently, I have repeatedly, no less than 12-14 different times, contacted Bank of America. Thus far, I have heard several variations of when the final payment was received and that the account should not have been reported as late given the final payment and repeated notifications.  This is confusing as a consumer.   On XX/XX/2019 I also received the attached letter and refund from Bank of America indicating the account was paid in full, in good standing, and a check for the difference between amount owed versus final in full payment.

Finally spoke to XXXX  in the DFS CEU onXX/XX/2019 who informed me the account was actually paid in full few days late (10-12 days depending on which date Bank of America recorded the final payment versus date received) and thus there is nothing he can do.

This is an outrage.  Bank of America received the payment in ample time to payoff the loan within any reasonable time parameter.  Given the amount of communications, assurances from multiple Auto Loan and Collections Service Reps, all of which are fully recorded and available to listen to, and the account track record, I take exception with Bank of America recorded this one late payment, especially given the account was paid in full, on my credit records.

I have also opened disputes with the 3 credit reporting agencies.  I will continue to dispute this matter until corrected.
Product: Credit reporting or other personal consumer reports

I had reviewed my credit report and noticed that I had several XXXX posting to my credit report. I contacted the XXXX XXXX XXXX about this situation and they performed an investigation and notified me that the reported XXXX XXXX are not mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. 
Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where i am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as i am being unfairly penalized for errors that are beyond my control. 
The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.
Product: Mortgage

I am currently have a Pick-a-Payment loan with Wells Fargo and am trying to modify. XXXX XXXX, 2015 our home was struck by lightning and as a result we have no A/C ( in Florida ) and few appliances are working. I received a check form the insurance company but Wells is not cooperating in getting the funds distributed in-order to make repairs. Again, we 're Florida and have no air conditioning.
Product: Vehicle loan or lease

Toyota financial services did not conduct a legal contract. The sum of all charges were not disclosed in the credit application on the finance behalf. Also the finance team approve me illegally without my permission conducting fraudulent information to bank for approval. This wasn't a consumer credit transaction 15 usc code 1605. There I'm taking legal action in retaining my down payment of {$7000.00} dollars and a additional {$1000.00} for every illegal transaction that was committed on this credit application.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited TransUnion 's website, transunion.com, to view my credit score. I clicked on the bright yellow button in the top right corner titled " GET YOUR CREDIT SCORE '' [ Page 1, ANNEX-1 ].

In the top, the title read " Be in the know with TransUnion see your credit score NOW ''.

Nothing clearly stated - that I was in fact about to signup for a membership with a monthly commitment. Only a small inconspicuous box to the right ( That I discovered after ) has the wording : " Credit Monitoring for $ XXXX ( plus tax where applicable ). '' No terms are shown anywhere. 

On the next page, I'm asked to enter my credit card. I didn't find the disclosure of my credit card odd, as TransUnion is a credit agency, and I assumed it was part of the process to retrieve my personal data. 

At this point, no breakdown of any membership, potential cost, or terms is stated. 

Upon clicking next, I get a message from my bank that my card has been charged. 

In my mind, there is no doubt that this registration process was designed to trick people into opting in for an unwanted membership. No confirmation box to check. No summary of the proposed transaction. No statement of any potentially applicable tax ( Otherwise stated in the hidden-away box on the previous page ). Finally, no statement of any recurring payments. 

One could argue this constitutes as unlawful under several sections in federal law 15 U.S.C. 8402 ( ROSCA Restore Online Shoppers ' Confidence Act ). Section A.1.A, A.1.C, A.2.B.

As you are aware, this is not the first time TransUnion has acted unlawfully in an attempt to trick consumers into memberships, as it's stated in Stipulation File No. 2017- CFPB-0002.

https : //www.consumerfinance.gov/enforcement/actions/transunion-interactive-inc-transunion-llc-and-transunion/ When calling the TransUnion, I was routed around to overseas representatives, who were extremely poorly trained. I was not able to reach a line manager, but was promised a refund. A refund I am yet to receive. Their website offers no obvious way of contacting by email, mail, or chat.

Please don't hesitate to reach out to me for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX
Product: Debt collection

Consumer Financial Protection Bureau Date : XX/XX/2023 RE : Disputing Debt from your Agency Acc # XXXX Waterfall Revenue Group XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Mr./ Mrs. Representative : I filing this complaint with the Consumer Financial Protection Bureau against Waterfall Revenue Group ( collection agency ) located at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New Jersey. ; with the belief this agency has violated the federal consumer protection laws, including the Fair credit Reporting Act, and the Fair Debt Collection Practices Act. 

On or about XX/XX/2023 I received a letter from Waterfall Revenue Group Claiming they conducted an investigation concerning an alleged outstanding balance of {$1300.00} owed to XXXX  XXXX XXXX. 

I initiated a validation letter to the collection agency XXXX Waterfall Revenue Group ) requesting proof of this allege bill, because I have no knowledge of it and do not recall ever having any business transaction with XXXX  XXXX XXXX XXXX. Therefore, requesting that they provide me with the following information to validate the debt : Proof of the original agreement with XXXX  XXXX XXXX XXXX that shows my agreement to pay the debt. 
Documentation that shows the amount of the debt owed, including any interest or fees. 
Proof that they are authorized to collect this debt on behalf of XXXX  XXXX XXXX XXXX. 
They have yet to provided me with this information. My concern in this matter is the data integrity and the associated cost that comes with this dispute.

It appears that this collection agency is not willing to comply with the Fair credit Reporting Act, including Fair Debt Collection Practices Act.

Therefore, Im submitting this complaint for further action to be taken. 

Respectfully submitted.
Product: Debt collection

My mom passed away on XXXX XXXX, XXXX. She left XXXX mortgage liens, one was taken off. We had the estate probated and the deed transferred into both my brother 's name and mine. About one year ago, a real estate company started coming around invading my privacy. They posted large paper on my front and back doors. They started sending harassing letters about removing me from my mom 's house. They have been showing up without my permission, trespassing on the property, taking pictures, driving by and taking pictures. Later on in XXXX of this year XXXX, They filed a complaint without first notifying me about it. They never served a notice on the complaint. It was a cross-claim. I have filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, my Bankruptcy was officially discharged. I received a letter in the mail on XXXX XXXX, XXXX, saying that they scheduled a hearing for XXXX on XXXX XXXX, XXXX. They have no grounds to sue me and I want them ordered to cancel this hearing. I sent them emails to let them know this I have n't heard from them, and would only like a response if they will cancel this hearing, as I did n't do anything wrong. They are seeking a summary judgement from to recover the balance, because the house was underwater.
Product: Credit reporting or other personal consumer reports

Mailed disputes to Transunion via certified mail. Received a secure message stating they would not process disputes as they could not verify they were from me despite including my picture ID and my SSN. Contacted support via their secure text option, said she would be right back while she looked into it, and proceeded to stop answering me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 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 instruction
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX account # XXXX. 
XXXX account # XXXX XXXX account XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX received an notification from XXXX that my credit decreased XXXX points due to an collection account that I have No knowledge of on XX/XX/2023, no one havent contacted me about this unknown collection balance for {$950.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then ask the credit Bureau for a verification for the collection so they did and stated everything was accurate. I did a review on the report and theres no information was shown that the debt belongs to me. I asked for verification such as Address, phone number, contact agreement, signature and witnesses for confirmation. This collection is forcing a debt on my credit report that is impacting my score tremendously and is unfair. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 secion 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

I filed a dispute with Equifax regarding an error of ownership of an account reported on my credit report on XX/XX/XXXX. 
The account name is XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX PA XXXX : XXXX Phone : ( XXXX ) XXXX I stated to Equifax that I contacted the company XXXX XXXX directly to dispute the account. 
When I called XXXX XXXX, the company 's customer service was unable to find any account associated with my name, address or phone number. They ( apple card ) said I would have to contact the credit reporting company ( equifax ) and that they ( XXXX XXXX ) could not give me any information about an account that was not associated with my name. 
Also XXXX XXXX could not issue me any documents about the account because I don't have an account associated with my name, address or phone number. 
Equifax completed their investigation on ( XX/XX/XXXX ) and concluded the account belonged to me. 
This is inaccurate. 
I do not have an account with XXXX XXXX. 
I have never had an Account with XXXX XXXX. 
XXXX XXXX has no record of me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to remove incorrect information from my credit report despite contacting TransUnion multiple times, and despite other major credit reporting agencies removing the same information and has taken months to still NOT address my dispute. 

Both of these accounts are being listed as an auto loan on my consumer credit report. This alleged agreement by the governed law UCC is indeed a credit sale. 

TransUnion has not been furnished with any documents suggesting or validating that this an auto loan. As the alleged debtor, no money or goods have been loaned to me. Per section 15 USC 1681e, I am entitled to an accurate, complete and verifiable credit report and requires that consumer reporting agencies to adopt " reasonable procedure to assure maximum possible accuracy and integrity of the information '' contained in consumer reports. TransUnion intentionally and irresponsibility reporting false information. You, ( TransUnion ) as a consumer reporting agency, are aware of the tax laws and obligations. You assumed a vital and responsibility role to assure the maximum accuracy of information in consumer reports you furnish. The fundamental properties of this retail installment contact are not applicable and does not constitute as being an auto loan. XXXX XXXX XXXX XXXX  does not have an enforceable contract as an auto loan for me, XXXX XXXX, for these accounts, so you can not furnish this account as an auto loan. 

This is indeed an actual factual inaccuracy that could have been covered by a reasonable investigation. 

You need to REMOVE and BLOCK the following accounts from my consumer credit report immediately. 

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to request my free annual copy of the consumer report maintained on me by LexisNexis numerous times and in multiple methods ( online, via mail ). Each time I make the request, LexisNexis sends me mailed notices which claims that it is 'unable ' to validate my identity and refuses to provide the report. I am the only person in this country with my name and therefore do not see any legitimate reason why LexisNexis is unable to comply with the law by providing me with a copy of the report. 

I previously submitted a complaint to the CFPB regarding this matter. In LexisNexis ' response to your agency, the business claimed that it had attempted to reach out to me 'several times ' to complete 'identity verification ', and that I had failed to respond. 

This is a blatant lie. 

I have provided LexisNexis with more than enough information to locate my consumer file within their system ( see attachments ). LexisNexis must comply with the law and provide me with a copy of the consumer report they maintain on me.