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

I recently found out Equifax data breach, and reviewed a copy of my credit report. I'm shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This injustice hurts me in the process trying to get a home for my family, the American Dream. According to Equal Credit Opportunity Act ( ECOA ), Equifax harmed me for many years, young credit age, barring me because of my ethnicity as a 2nd Generation XXXX American born U.S. Citizen. ( Equifax even unlocks my credit when I froze it without my permission! ) Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my financial and mental, I stress the need for a resolution within 24 to 48 hours.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, you are in violation of Sec. 604 Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. 



Upon receipt of my credit report from your agency on XX/XX/XXXX I noticed that my credit report has been accessed by the following Name, Requested On, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION 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: Consumer Loan

I went in to Cash Max, located at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, TX XXXX on Wednesday, XXXX XXXX, 2015 for a {$350.00} title loan, and per rights granted to me by law, went in XXXX days later on Saturday, XXXX XXXX, 2015 to pay it off and cancel the loan free from any fees. However, when I went in to cancel the loan, I was charged an additional fee of {$28.00}. So although I was within the 3 day period to cancel, they charged me additional fees, and did not have my title.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit bureau to investigate an account that I felt that was being reported erroneously. The bureau responded back the same day stating that an investigation was completed and the account was not being removed. 

I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX, and Transunion consistently responds within XXXX 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, credit repair services, or other personal consumer reports

the following account Waypoint Resource Group that is listed on my credit report does not belong to me, I've recently contacted the company via phone and they were unable to find an account listed with my information in their system but it still shows up on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) specifically. CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a XXXX vehicle for XXXX XXXX. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days  after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.
Product: Money transfer, virtual currency, or money service

I had the account restricted with coinbase.inc and I couldn't get into my account by any method, and I asked them for a solution and they are going around and around and they don't fix it. I want my money back in my account I have asked them to send me XXXX identification numbers to enter my account because they no longer receive messages for no reason and there is no way to enter my account without those XXXX codes. 

I've done everything they've said about resetting password, restoring mobile system Restore computer system and nothing. I want them to let me into my account and be able to withdraw my money and forget about this nightmare. 

I have communicated the problem through email tickets. since Sunday XXXX XX/XX/2024 and I receive numerous responses that do not fix my way of being able to enter my Coinbase account and withdraw my money.Around XXXX XXXX was in the present day according to cryptocurrency variations. 

I strongly ask you to be able to log into my account so that I can withdraw my money to my payment number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 lifted a freeze on my Experian credit report in XX/XX/2019 but lenders are still receiving notices that my credit file is locked. After many calls over two months I finally was told that lenders are unable to access due to their database issue. I am unable to get approved for loans or credit cards due to their lack of urgency in solving the problem. I am unable to receive a copy of my own credit report after requesting one to be mailed in XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I was told again it will take 3-5 business days to resolve and I should receive a credit report in the mail in 7-10 days. This has caused me undue hardship for 2-3 '' months trying to apply for credit to secure a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with XXXX, Equifax, and XXXX and each has yet to remove the information or even respond to my dispute. Equifax claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over 30 days prior. That is a direct violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. 
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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: Debt collection

I have been receiving debt collection notification letters, emails and phone calls from MOMNT ( debt collection agency ), address po box XXXX, XXXX XXXX, IL XXXX, phone number ( XXXX ) XXXX, starting in XX/XX/XXXX. The information provided indicated that I was responsible for a loan payment. I have never taken out a loan from XXXXXXXX XXXX or any other bank. The loan was obtained fraudulently in my name by XXXX XXXX XXXX. I visited XXXX XXXX XXXX in XX/XX/XXXX in XXXX XXXX, NY. Any treatment provided was submitted to my health insurance company and paid for in full by my health insurance. Without my knowledge, a loan was taken out in my name by XXXX XXXX XXXX, I never agreed to or consented to any type of loan or financing. I have been receiving collection letters from Momnt since XX/XX/XXXX. This fraudulent loan has also been reported to a credit reporting agency ( XXXX ). When I ran my credit report it listed payments on the loan from XX/XX/XXXX, however, I have never made payments for this loan. I have called Momnt with no resolution regarding this matter. I have written and emailed Momnt asking them to rectify this situation immediately. As I was doing my research I noted the same thing happened to other patients who visited XXXX XXXX XXXX with similar complaints as mine filed on the XXXX XXXX XXXX XXXX XXXX  ) website. I filed a complaint with the XXXX ( letter attached ) and they indicated that the business was closed. This has happened to several other patients as noted on the below link from the XXXX 
https : XXXX I also had to dispute this loan with XXXX and included a statement on my credit report indicating that the loan was obtained fraudulently in my name. I have spoken to and emailed Momnt with no resolution to this matter. They are continuing to contact me persistently without offering resolution. I reached out to XXXX XXXX  the Lender as well and pending a response. I have also filed a complaint with the XXXX XXXX XXXX Attorney 's office in NY. 

XXXX XXXX is located in the state of Virginia, Customer Care Center at XXXX. 

This seems to be a large scale scam. Also, many patients have gone back to XXXX XXXX XXXX to complain and there is note on the door that they are out of business. A lot of patients have no recourse due the scam perpetrated by XXXX XXXX XXXX. 

Attached documents include : Consumer Loan statement from MOMNT for a loan amount of {$6000.00} XXXX  complaint and response Initial letter sent to MOMNT on XX/XX/XXXX Email correspondence with MOMNT
Product: Credit reporting or other personal consumer reports

Hello I have made several attempts to dispute the incorrect information reporting on my profile with Chex System and has been unsuccessful. This has caused me to loose out on credit and other resources needed to run my life. 
I have not been disclosed any verifications of debt and my rights are being violated.
Product: Vehicle loan or lease

I am writing on behalf of my daughter, who purchased a XXXX XXXX XXXX from `` XXXX XXXX '' XXXX XXXX on XX/XX/XXXX at the purchase price of {$15.00}, XXXX. Now, after tacking on the astronomical interest rates and other fees the total cost of this vehicle is {$35.00}, XXXX,,,,, ,for a XXXX XXXX XXXX . 

After my daughter recently disclosed this to me a year later, that she was stressed/worried about keeping up with her Bi-weekly car note I immediately started research for any possible resolution for this dilemma that she's in. 

I didn't know where to start looking for information on ( misleading sales tactics, price gouging, or even preying on people who may have no or bad credit ), until I happened upon this website. 
She tried to refinance the vehicle at XXXX XXXX, and to our surprise was informed that it was not possible to refinance the vehicle that was only valued at {$4500.00} according to the XXXX XXXX XXXX, yet XXXX XXXX   XXXX XXXX have her bound to a contract to pay {$35.00}, XXXX. This is absolutely ludicrous!!! 
How can they legally do this to consumers and get away with it, or can they??? Is there anything that can be done in regards to this situation?
Product: Credit card or prepaid card

I have an American express bluebird prepaid card and I have held the main account, as well as up to XXXX sub-accounts and I have never had an issue go unresolved like this one. My subaccount had XXXX charges come up that were fraudulent. I called and the representative helped me start a dispute and a few weeks later I received an email letting me know the dispute was denied and had generic list of the reasons for the denial and it said for me to get the exact reason, then it must be done in writing, which I did. Sadly, I never received a response. So I called and the representative said they had never received my request and to file the dispute again, and a few weeks later, i I received the email stating my denial again. I wrote in again requesting the exact reason and I didn't hear back. This went on ateast XXXX or 4 times and I kept getting denied.These were legit fraudulent charges but American express would immediately shut me down. Finally, I received a letter stating that through their investigation, they have concluded that I made the charges. I wrote back requesting any evidence they had found because I knew if they pulled the security footage, I wouldn't be the XXXX swiping the card because for XXXX I live in Warrior, AL and XXXX of the charges were made in Georgia. They told me that they didn't have to show me the evidence but they weren't giving me my money back. I wrote the XXXX XXXX XXXX and had some correspondence with American express but again at the conclusion of the XXXX  filing, they again refused to give me the money back. I don't know what else to do. It's not something I would make up nor have I had this happen but once to the main card account and they credited me immediately. I'm going to attempt to get a resolution with this email and if not, then I will seek legal representation. 
XX/XX/2021 XXXX ATM XX/XX/2021 XXXX ATM XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These charges are fraudulent and I need my money back. I am a single mom of XXXX girls and I work hard for my money. My contact info is XXXX or XXXX. The card number that is in question is not the main account but unfortunately, I was so mad about this denial that I through quit using all of the cards. I do know the card number for the subaccount it's XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a checking account with Truist because of a promotion they were offering, promo code XXXX. The promotion offered {$400.00} for opening a checking account before XX/XX/year> and, within 90 days, direct depositing {$500.00} dollars and completing XXXX debit card transactions. I completed these items on XX/XX/year>. On XX/XX/year>, Truist charged a maintenance fee that caused my account to become negative. I then received an email from Truist that the account was checked for qualification the week of XX/XX/year> and that I had a negative balance so I was disqualified. Truist 's service charge ultimately disqualified me from their promotional offer. On a call with Truist on XX/XX/year>, Truist refunded the service charge but, now that my account was positive, would not qualify me for the promotion and refused to honor the promotional {$400.00}. 

Truist never notified me that a service charge had been posted or that my account was negative as a result. Truist also did not inform me when exactly their promo qualification verification would happen so that I could fix the issue before then. And then once the negative balance issue was fixed, I am still within the 90 days required to meet the promotional requirements but Truist will not overturn their decision. I met the promotional offer requirements but Truist 's own service charges ( which they then overturned and had removed ) disqualified me from the promotional offer they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been unable to get my Equifax credit report from XXXX. After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX  and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX, they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.