23daVinci/CFPB_Complaints huggingface dataset:
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. - XXXX XXXX XXXX / ACCT # - xxxxxxxxxx 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 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 XXXX 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
Product: Credit reporting or other personal consumer reports

I need this to be removed These Inquiry affect me 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 Incorrect
Product: Debt collection

The person XXXX revealed that the company owed a debt. She knew that the needed to speak to the owner. She was told that owner was unavailable. She revealed that it was a tax debt and she needed to talk to the owner today.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. In accordance with the fair credit Reporting act convergent account, has violated my rights.

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Lately I 've been receiving messages for XXXX XXXX and XXXX from TD Auto Finance. I called back and each time I called the number back the phone ring one time. Eventually I went online and got a contact number and I answered questions and reported that I do not have a account number or have any business with this company, and yet I am receiving messages for XXXX and XXXX XXXX ; I was told that it was a mistaken call and my home number would be removed. 
Several days later TD Auto Finance called again and asked for XXXX XXXX and I said, " you have the wrong number. '' Then I was asked do I know a XXXX which quickly annoyed me because I do all the financial paperwork for my family and the cars that we have were never financed with TD Auto Finance. 
Its really a concern to me when I gave this company factual information and had to demand that they do not call my home number again. 
I do n't know they purposes for calling, I 'm not XXXX. This situation became ugly in no time because when you have the wrong number it 's wrong!!! I also warned this company that if I get another call that I was going to contact the Bureau of Consumer Financial Protection ; and well that did n't help because I still getting calls from a XXXX XXXX XXXX at TD Auto Finance. 
Please help me in this matter and my patience are now thin and I know that it not good for my health. Any thing you do I would be so graceful. Thank you all for understanding.
Product: Credit card

On XX/XX/XXXX, I ordered an item from XXXX for {$60.00} total payed on my Goldman Sachs Apple Card. The item never came. I got an email confirming that it was delivered. I emailed XXXX, and they said to wait, and that maybe it would come, and that if it doesn't I should email back after XXXX days. It did not come. I emailed the United States Postal Service ( USPS ). I gave USPS the tracking number that was provided to me by XXXX. XXXX investigated the matter, and told me that the tracking number was not for a delivery to me ( note : I double checked that I provided XXXX with the correct address, this is not the problem ; either the package was misaddressed, or the seller engaged in a fake tracking ID scam. ) A USPS employee went to the place that the package was delivered, confirmed it was delivered, and confirmed that it was not addressed to me. They reported this to me via email. I sent this information to XXXX, and they still refused to refund me for my purchase. Then I disputed the charge with Goldman Sachs on XX/XX/XXXX. Goldman did not ask for any information regarding the dispute, and I reached out on XX/XX/XXXX because I wanted to share my correspondence with the USPS. They declined at that time to consider that evidence. On XX/XX/XXXX they notified me that my dispute was reversed. I reached out the same day to complain and offer again to share correspondence with USPS. They reopened the dispute and I shared my evidence. They again reversed my dispute on XX/XX/XXXX. I again reached out to them to complain that day, and I requested the response provided by the merchant. I again on XX/XX/XXXX sent them my evidence and refuted the evidence provided by XXXX. On XX/XX/XXXX, they again emailed saying my dispute was reversed. I again emailed on XX/XX/XXXX to complain and to request more information on how Goldman review disputes. They declined to provide information on their dispute adjudication processes, but they did again reopen the dispute. The latest dispute reference number is XXXX and the latest claim reference number is XXXX. All communication to and from Goldman Sachs has been in writing. I do not believe that Goldman Sachs has fair or adequate processes in place to adjudicate disputes as required by law.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Recently, I did an inyastigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXXXX/XX/XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXSinceXX/XX/XXXX XXXX ive tried to dispute this i wish i had all the letters ive sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint with TRANSUNION regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022, complaint number XXXX, and transunion failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. The accounts are XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occassions to dispute information regarding my mortgage being part of a bankruptcy as I have never filed for bankruptcy. There are 2 mortgage accounts showing up and I have only had 1 home loan. This has messed my credit up along with the rest of my life as I have not been able to be approved for credit and other positive services. The bankruptcies appear as of XX/XX/2022 and XX/XX/2022 the month that I actually sold my house.
Product: Debt collection

The company is LVNV they said they sent a notice out on the XXXX of XXXX and I havent received any notice they lied only how they new my address is because Ive updated it my name is XXXX XXXX
Product: Mortgage

In XXXX  American Liberty Mortgage messed up my opportunity to buy a home. The owner XXXX XXXX provided information to an employee, XXXX, and then went on vacation. She gave the wrong information about how to do an approval for a XXXX  loan and stated they only needed one year 's tax return because I had a business for 10 years. They pre-approved me for the wrong amount and pulled my credit about 5 times. I got a home under contract and paid for the home inspection. Then they came back and told me they had to take the average of 2 years tax returns instead and the new pre-approval amount 'killed the deal ' so I could not buy the house and had to find a way out of the contract. Since they had pulled my credit score so many times it made my score go down a lot and I could not buy a house for about 2 years.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to address multiple violations related to my credit report, which I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other related consumer protection laws. Here 's what happened : First, the credit reporting agencies have failed to verify the accuracy of my credit information before reporting it, in violation of FCRA XXXX XXXX. This is willful noncompliance, and I am entitled to civil liability for each violation. Additionally, I was not informed of my right to opt out of having my personal information shared, which is a clear violation of FCRA XXXX XXXX ( d ) ( XXXX ) ( A ). 

I have also identified inaccurate accounts and inquiries being reported under FCRA Section XXXX ( a ) ( XXXX ), and some of the debt XXXX have contacted third parties about alleged debts without my consent, violating regulations protecting my personal data. On top of this, some accounts have reported late payments without a clear definition of what constitutes a late payment, which is deceptive and violates FCRA XXXX XXXX ( b ). 

Further, some creditors have failed to accurately determine finance charges, and I found instances where my credit information was reported without my written consent, violating the FCRAs permissible purposes rule ( 15 U.S.C. 1681b ). 

As a result of these violations, I demand that you take immediate action to : Correct the late payment entries for accounts like XXXX, XXXX, XXXX, and others, to reflect " paid as agreed '' or " never late. '' Provide debt validation for accounts like XXXX and XXXX XXXX under 15 U.S. Code 1692g. If you can not provide the necessary documentation, these entries must be removed from my report. 
Remove all inaccurate and unauthorized accounts from my credit report. 
Failure to address these violations will leave me no choice but to pursue legal action under the FCRA and other applicable laws. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, XXXX  and experian and havent received any help. It has lowered my score XXXX points
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX All have charged off or written loan/credit card debt and I have not received a 1099c. I would like to report the charges offs on my taxes. Please have the creditors send me a 1099c.
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

Bank of America advertised a {$200.00} bonus for opening a new business checking account and making a deposit within 60 days. They have failed to post the bonus to my account. On SEVERAL occasions, their agents promised me that I qualify for the bonus and that it was forthcoming. The agent 's promises are RECORDED and on file with me. Despite the banks ' assurances and representations, they are refusing to award me the bonus, alleging that some technical requirement was not met ( they do not consider money deposited to a business account from personal accounts to be a " deposit ''. They make a fine, invisible distinction between " transfers '' and " deposits '' ). This technical requirement was NEVER mentioned to me. If it had, I would have taken a different course of action. Instead, I was repeatedly promised that the bonus is forthcoming -- after long and careful review of my account by various representatives. Now, and despite many RECORDED promises to the contrary, they refuse to award me the incentive payment. ( One such recording is attached to this complaint )
Product: Student loan

Last year my wages were garnished until I was advised that I could consolidate my student loans and do a income repayment plan. I submitted the documents twice this year and each time the monthly payment has not been reduced. I have a household of 3 people with a rent payment of {$1500.00} not including utilities. I can not afford {$320.00} a month not on my income. 
I am still being asked to pay this large payment even after I submitted the documets for the second time with the same info that I provided with the first request. 
The credit bureaus report that I have all these different loans first with XXXX and now with Navient but if the student loans were consolidated then why is it showing I have numerous accounts. Its for the same thing.
Product: Consumer Loan

I have attempted to dispute a transaction because the transaction was submitted without my signature or authorization. However, I am getting the run-a-round.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I have a transfer from a PayPal XXXX XXXX account for {$1400.00}. I dont use or have a XXXX XXXX account. The email I use for PayPal is XXXX and my phone number is XXXX. Any transfers using a XXXX XXXX account are being used for fraudulent activities I believe. 


XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Attempted to open a binance.us account. After providing them documentation which they said would work, specifically my mortgage information, they asked for more information such as a bank statement. I provided that and heard nothing back for a week. I then submitted a request to close my account as I am concerned about what is happening here. After I submitted that request they sent me back a message saying my account has been setup. I have since then asked in writing 3 times for them to close my account and nothing has happened yet. Customer service is no where to be found.
Product: Debt collection

I have contacted this company repeatedly, and even with so far as the call them on XXXX at XXXX on a recorded line requesting info and was still denied such info. 
In turn, this company is reporting incorrect information to my credit report, and I am demanding that this prejudice information be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of theFCRA. I have submitted 8 complaints informing The 3 Credit Bureaus that I was a victim of identity theft.The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed theirguidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), Isubmitted the identity theft reports, provided a report circle the fraudulent accounts, anaffidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimedthe accounts listed below have been verified and are accurate. I'm truly confused by theirantics/tactics on how to report this issue but they are ignoring this dispute and failing tocomply with the rules set forth in the FCRA. I need them to be held accountable & have thefollowing accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have my funds in wise account they have blocked my account without any reason and didnt giving me my money back
Product: Credit reporting or other personal consumer reports

I sent disputed letters thru dispute XXXX XXXX XXXX.they come back verified  nothing is happening.
Product: Credit reporting or other personal consumer reports

15USC1681 section 602A states I have the right to privacy.

15USC1681 section 604 section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 16665 states a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late payment.
Product: Credit reporting or other personal consumer reports

The collection accounts on my credit report is fraudulent and do not belong to me i have recoeve no communication from these companies about me owing a debt. I have no affiliation with avana. 

According to the FCRA ; The credit bureaus are reporting inaccurate information on my credit report their is a collection that is reporting as opened.. Company XXXX XXXX been reported as opened, XXXX XXXX XXXX.