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

This was not sent in error. I am a consumer by law and my info was misused and I now have some false not 100 % accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXXXXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.
Product: Debt collection

They used profanity and offensive language and demanded that I pay the amount owed in full and not in payments. Bullying tactic.
Product: Credit card

I was contacted by Midland Funding LLC for a debt of {$700.00}. After paying my debt of {$700.00}, they filled a lawsuit against me. Every time I call their office, I speak with a person not of American decent that can not connect me to management. The only way that I found out that I have a court date on Monday, XXXX XXXX ( NEXT MONDAY ), is because my parents called me to tell me I have a notice to appear in court. I have n't lived there for years and the company has my address on file because they keep making me repeat it for identification purposes on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance {$3500.00} XXXX CARD XXXX Balance {$4600.00} XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/202 XXXX XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX - XXXX SERVICE XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX  XXXX Balance {$3500.00}
Product: Debt collection

On XX/XX/XXXX I sent a validation of debt to Wells Fargo about my auto loan that was charge off I was inquiring about the amount and etc. Wells fargo recieve the valdation letter XX/XX/XXXX on XX/XX/XXXX I recieve a letter stating they will get in contact with me nothing validating the debt so I sent a second valdation on XX/XX/XXXX letter giving them 5 business days to valdate the debt the receive the letter XX/XX/XXXX. It is pass the 5 bussines days so I ask them to remove the debt of my credit which they fail to do
Product: Mortgage

I am an XXXX military personnel and I bought this house sometime in XXXX at XXXX XXXX XXXX XXXX XXXX CA. But unfortunately, after closing our escrow about ( one week after ), I received an assignment to go to XXXX immediately with my family. We left and we did n't even have a chance to live on the property. I was in XXXX for 5 years and then got another assignment to go to XXXX which I stayed for another 5 years. When we came back, I thought that the house went on foreclosure as we abandoned the house for 10 years and did n't pay anymore. The only time I found out that it was still in my name is when I was trying to cosign with my brother in buying a house, this property pop out that it is still in our names. I immediately called XXXX XXXX and told us that they ca n't foreclose the property as I am an XXXX military personnel. So they suggested to do a short sale in which they approved it right away in less than a month. Now, there was a 2nd with Trinity Financial, in  which my agent was trying to talk to them and negotiate. The original balance is only {$74000.00} but because of the interest for 10 years it became {$130000.00} plus. So, XXXX XXXX offered them first for {$3000.00} but they did n't want to accept it and told my realtor that SHORT SALE Is not an option. We tried to communicate with them as to how much they are willing to accept as we already have a buyer that was approved for the loan already and ready to close, but they are insisting on getting the full amount of {$130000.00}. and didnt even want to come up with any amount except the full amount and told my agent that SHORT SALE IS not an option. My 1st Lienholder is not going to pay them the full amount as their taking a big loss of {$400000.00} based on the attached demand letter and the property value is {$290000.00} only. We tried to speak to them to tell us what amount are they willing to accept besides the full amount but did n't want to give us any respond except they send my realtor a denial letter saying SHORT SALE IS NOT AN OPTION. I did n't want and neither XXXX XXXX to foreclose this property considering that I have served and continously servicing our country for 21 years but Trinity Financial did n't want to cooperate to close this and be removed in my name. What can I do? I beg them and told them that it is not fair how they treated a Veteran trying to avoid foreclosure, when the 1st lienholder who is taking a big loss allowed and approved the short sale right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help Equifax XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX  Equifax XXXX XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I got a loan from castle pay day loan, at time I recived the loan I was given a quote of XXXX dollars for a loan of XXXX they have taken XXXX dollars out of my account 3 times, iam assuming the loan is paid off, .When I looked at the account its stating I still have a balance of XXXX called them they tell me I still owe XXXX .This will be XXXX for XXXX loan at the time when I reuested the loan I changed my mind, an did not tell them to send it, 2weeks later it was in my acc.So I figured ill keep it an pay it off but now they are trying to get triple of what they quoted me. I need help..
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items. Specifics such as company names, account numbers and the reason for disputing are all in the letter I sent them last XXXX XXXX, 2017. Credit bureaus are supposed to store consumer 's information and if they did their investigation properly they should be able to send me copies of the documents or information they use to verify the validity and accuracy of the accounts I have been disputing with them,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy. 
It also states that a consumer reporting agency can not furnish and account without my permission. 

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XXXX 2022 and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint Ive made regarding TransUnion and the XXXX XXXX XXXX ( XXXX ) account # XXXX ( account ). Please reference complaint # XXXX to see the first complaint. 

TransUnion is furnishing a fraudulent account to my consumer report. I have contacted this company on several occasions via phone, certified mail and their website. Like stated above, I have also filed a CFPB complaint against them. See response below. 

After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 

In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-VERIFIED AS REPORTED This response came on XX/XX/2023. It is now XX/XX/2023, XXXX business days later. I have still not received anything. No method of verification, sources theyve interviewed, documents reviewed, nothing. 

The original contract I had with the original creditor was altered without my permission or knowledge. This makes the account fraudulent. Therefore, TransUnion does not have anything that would verify this account. This company is engaging in unfair and unlawful business practices and needs to be reprimanded.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.
Product: Student loan

I had automatic payments set up with Navient through my debit card. They used to have my bank account information but made unauthorized payments using it. But I decided they could do the auto payments through my debit card. I started those three years ago. I was watching the payments and everything was going fine. But last XXXX, I got a new debit card. I forgot to contact the company to make sure they had the correct one one file. But the company waited four months to contact me and ask for a payment. They waited until the account moved to the collections department to reach out. At which point they harrassed me with phone calls and emails four times a week. One week they called me twice in one day. That last for a solid month. I called them and made a payment. But they told me I still owed money just to get it out of collections. I asked for documentation that they would not have my card information on file and that I would also receive the terms and agreements of my account. I asked for certified mail. Never received it. During that phone call they continued to use predatory tactics which caused me to panic. It triggered a recent trauma and the cops were called for a welfare check on me. The phone calls and emails stopped for a bit. Flash forward to XXXX. The company sends me an email that says if I call and make a payment by XX/XX/XXXX they will waive late fees. I call them on the XXXX to make a payment. The woman tells me I do not have any late fees. So now they are using false information to bait me into making payments. By telling me they will waive late fees that is a promise they will provide a service. In this particular instance they have not provided that promise. I no longer can trust this company. Since making that phone call. I have received an email from them asking in a round about way for a payment each day. I has only been 4 days since that phone call. The woman on the phone that day told me she was giving my account to another department who would assign me to a personal account manager. I have yet to receive any communication from any individual who would handle my account. I never talk to the same person on more than one occasion. More predatory and false promise tactics to get money out of people. Their customer service is horrendous and they continue to mishandle accounts. I want my loans out of the company and never have to deal with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Equifax Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Equifax Credit Bureau is responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I informed Chase that I do not have a business account and somehow money was deposited into a Chase account for my XXXX XXXX XXXX XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my credit report 1 year ago due to identify theft I have not applied for any new credit however my transunion credit report has several new inquires in the last year. I did not authorize any of these inquiries.
Product: Credit reporting

Experian is listing an account that is past the 7 year reporting period. 
This account is XXXX/XXXX, account number XXXX. This account was scheduled to be removed on XX/XX/2017. It is reporting incorrectly and Experian refuses to reinvestigate. This account has been re-aged.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standard
s 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX reported a 30 days delinquent in the amount of {$9.00} in my Equifax, XXXX credit bureaus. Negative reporting impacted my credit by reducing my credit score down to over XXXX points. 

During XX/XX/XXXX, I made a payment of {$50.00} based on the banks new online portal. The new online portal was down for several weeks and when it was back up, it did not indicate a past due amount nor did it provide a statement that reflected an outstanding balance. 

During the week of XX/XX/XXXX, I notified the company regarding this and was informed that I had to go online and print out a dispute form, fill it out and mail it in which will take up to 30 days for a response. Why was the dispute not accepted by the Representative who should have opened this on my behalf, like other creditors. 

I paid {$100.00} during the week of XX/XX/XXXX to prevent any further issues, but I am requesting the negative reporting on my credit to be removed and a letter of apology from XXXX XXXX XXXX. I have never had a no negative reporting on my credit report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report to find XXXX XXXX has several error on my report. It is missing the account type for Equifax, it is showing a charge off XX/XX/XXXX - XX/XX/XXXX on XXXX, yet it shows Paid on Equifax. It also is reporting as charged off while showing a current due balance. A charge off means they took the tax break already, so they can not also collect on said debt. 

Under FCRA ( Fair Credit Reporting Act ) section 609 I have the right to dispute any and all incorrect information being reported on my consumer reports which I am exercising with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My husband and I have a car loan through Santander Consumer USA. The original amout they financed for was XXXX. We were informed today that the principle of our amout has n't even been paid down by XXXX since XX/XX/XXXX when we took the loan. I called them today, XX/XX/XXXX and they told me basically that the only way to get any of our payments of XXXX. XXXX a month is to pay more than our monthly payment. So basically we were told that none of our payment is actually going to the principle but we could pay more every month in order for anythint but intrest to be paid. Our note is for 48 months but at what they are doing it is going to take us around 12 years and XXXX to pay off our XXXX vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX  XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Product: Credit reporting, credit repair services, 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 XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX  ACCT XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX XXXX ACCT XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX  XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX, has violated my rights 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.