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

In accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX Account # XXXX Account name XXXXXXXX XXXX account # XXXX Account name XXXX XXXX XXXX account # 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transunion 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 proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation. 


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

I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX2023 and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.
Product: Credit reporting or other personal consumer reports

The account listed below is a result of identity theft please delete this account with in XXXX business days this account was not opened by me.
Product: Vehicle loan or lease

2020 My ex XXXX XXXX leased a car from XXXX. I was told the car was in his name. After the breakup, XXXX kept calling me to make payments on his car. I don't and never had the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting agency every month since XX/XX/2021. In accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX Acct XXXX, has violated my consumer rights. 

15 USC 1681 Section 602 states, I have the unchallenged right to privacy.

15 USC 1681 Section 604 A Section 2 states, it a consumer reporting agency can not furnish an account without my written instructions. I have not provided any written instructions 15 USC 1666 B states, a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/2018 I received an email containing a username and password to access a loan document exchange portal with my bank. At the time, I used a family member 's WiFi to login into my account. 3-4 hours later when I came home and tried to login to the portal my password and security questions were changed. I then contacted my bank to have them reset the password. On XX/XX/2018 I received an email about an attempt to login to my email.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I had borrowed {$3200.00} from one main financial at an annual interest rate of 26.36 %. 
My monthly payment was XXXX which I paid all the way up till XXXX. So XXXX, XXXX, and XXXX. 
My pay off amount on XX/XX/XXXX of XXXX was XXXX. I spoke with the representative at the XXXX office if I could pay XXXX and pay off the rest over the next few months. She said yes. Made a XXXX $ payment to the principal. Therefore the balance of my loan should have been XXXX. 
I continued my XXXX payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. Come XXXX I called and said there's no way I should still be paying on this debt as I had paid 5 months at XXXX $ which was almost XXXX XXXX Yet my balance was only XXXX in XXXX. They gave me a payoff amount in XXXX of XXXX which was XXXX. 
I filed a dispute with them and complained and said this can not be right. 
They never contacted me once..in XXXX I contacted them after I have completely stopped my payments in XXXX. They said they thought their credit team would reach out. ( They didn't ). Now in early XXXX of XXXX I contacted them again as no one has still contacted me and it showed up on my credit report. They assured me someone would call to get this debt resolved which they now say is over XXXX XXXX It is now XXXX. No one has contacted me and I feel I've been badly mistreated by this company.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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: Vehicle loan or lease

I checked my credit profile to find an hard inquiry that I know is accurate
Product: Debt collection

I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with Care Credit through Synchrony Bank to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called Care Credit customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.
Product: Debt collection

This is re-opening the complaint that Wakefield provided in which they claimed the debt was owed. We have provided this by mail previously. Our family deductible was met prior to the date of the medical visit, which covers the aforementioned debt. Attaching the bill and the date we previously disputed it. Bottom line, our debt is not valid. 

Wakefield & Associates trying to collect for XXXX XXXX. This is a medical charge. We met our maximum family deductible in XXXXXXXX XXXX  2021. We provided documentation multiple times to CEP, to Wakefield, by mail. XXXX  collector said it was likely mailed to a different office and she hasnt seen it. She said she was still going to try to collect the balance. My daughter has an XXXX XXXX XXXXXXXX so we hit our deductible very quickly every year. We provided audited health documents to both entities ; they just ignore them. Our health provider says we dont owe anything. This collector is a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to Unfreeze my credit online with Experian. Just get a Security Freeze Error. No explanation. 
Calling the suggested phone number leads nowhere and not able to reach a representative. 
This is holding up my mortage refinance process. 
Experian online does not provide a way to contact them via email.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN 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 XXXX. 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. XXXX USC XXXX 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! 


XXXX USC XXXX ( 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 EXPERIAN 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, credit repair services, or other personal consumer reports

To Whomever This May Concern : I am reaching back out because I am going to file suit against Equifax and XXXX. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

Equifax refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

XXXX refuses to remove XXXX XXXX  that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. XXXX  has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I  have sent XXXX  the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through XXXX  and Equifax and both of these bureaus are refusing to cooperate. 

My attorney is giving XXXX  and Equifax until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.
Product: Credit reporting or other personal consumer reports

A charge-off is defined by the IRS and XXXX finance laws as a canceled debt. Specifically, the IRS mandates that creditors issue a Form XXXX for any canceled debt exceeding {$600.00}, as such debts are considered taxable income to the borrower. To date, I have not received a Form XXXX related to this account, which raises serious concerns about whether the charge-off was properly processed and reported. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from furnishing information to consumer reporting agencies if they know or should know it is inaccurate. A charge-off, by definition, signifies the creditor has canceled the debt and is no longer attempting to collect it. Once a debt is charged off, it is considered canceled and can not legally be pursued for collection or simultaneously reported as an open or collectible account.

Furthermore, under 15 U.S.C. 6802, transaction and experience information, such as payments, charges, and related account activities, are considered private and should not be disclosed or reported to third parties without explicit consent from the consumer. Reporting such information without my consent violates my right to privacy. 

In this case, it appears Wells Fargo XXXX have : Filed a charge-off, potentially received financial compensation ( via insurance or tax relief ), and yet continued to report or collect on the account in violation of federal law. 
Reported transaction and experience information to consumer reporting agencies without my explicit consent, further violating my consumer rights. 
These actions are not only misleading but XXXX constitute deceptive financial practices under federal law. If Wells Fargo has received compensation for the charged-off accountwhether through insurance, tax benefits, or other meansany continued reporting or collection is unjustifiable and unlawful.
Product: Credit card or prepaid card

I made an online payment of {$360.00} to my Capital One credit card from my Capital One checking account which posted on XX/XX/2021. But, Capital One will not apply the payment to my account until XX/XX/2021, to show an increase in my available credit. I made another online payment of {$100.00} to my Capital One credit card from my Capital One checking account which posted on XX/XX/2021. For this second payment, Capital One did apply the payment to my account to show an increase in my available credit, however, Capital One will NOT show the {$360.00} payment until XX/XX/2021. 

I have a college son, who is an authorized user on the account and uses the card for expenses. Capital One is causing harm by not making my funds availabe.

The money already is deducted from my Capital One checking account but Capital One will not show the payment on my credit card account. Thus, right now, I am missing {$360.00} until XX/XX/2021. It is like I am giving Capital One a loan for {$360.00}. 

I make multiple payments a month on my card to ensure there is availabe credit for my son to use in college but Capital One regularly holds my payments which is causing great harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into a settlement with XXXX XXXX. They told me to pay {$2000.00} to settle the debt in full on XX/XX/XXXX. I did such. I was then told by XXXX XXXX that the debt would be removed from all credit bureaus. Instead I received an XXXX alert stating debt debt deem uncollectable bad debt. They have committed fraud by representing to me that we were settling the debt and it would be totally removed from my report. Make them remove it immediately. I money framed that settlement amount to them as agreed. Tell them to remove it or be sued for punitive damages.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received an alert that a 30-day late payment was reported on my SoFi account. 

The 30-day late payment is inaccurate. I made an online payment on XX/XX/XXXX for the amount of {$1600.00}. I spoke to one of the customer service representatives and was told that although I made the payment on XX/XX/XXXX, the credit did not post until XX/XX/XXXX. I requested to have this corrected, and honor the actual payment date and not the posting date.

He suggested I email customer service.

I did, and was told to call in. I called in on XX/XX/XXXX, and I told another customer service representative what happened. She said that she can only see the posting date. I said that is inaccurate information and I need to speak to someone in the credit reporting department. She said I should send in a letter. I said I need to speak to someone and this was over my 5th attempt to resolve.
Product: Debt collection

As of today I have sent 3 notices to cease contact to my place of employment and to provide validation of the debt. 

XX/XX/XXXX - via a ticket submission to their website XXXX XXXX notice delivered to their email XX/XX/XXXX - XXXX notice delivered to their email Today, XX/XX/XXXX at XXXX XXXX, they called and left another voicemail on my work phone. So I sent an additional notice to cease and a notice of intent to file complaints for their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : 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 Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : 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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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: Money transfer, virtual currency, or money service

received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX ) they would not help me in giving me any information and told me to go back to my bank. Zelle would not give me any information on who the scammers are or if they even shut them down! How can the company, Zelle, and XXXX XXXXXXXX XXXX & XXXX XXXX  no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?
Product: Checking or savings account

I called to dispute a transaction with card.com on the XXXX of XXXX and they had to order a new card it had not hit by the XXXX of XXXX when i got my XXXXXXXX XXXX benefit check of {$960.00} on the account and since then ive been being told i basically have no way to access my funds without the card. On the website and when ypu call the custoner service number which it took 4 days for them to ship it which it said 2 business days. 14 business days went by and still no card so they told me i had to order a new one which was on XX/XX/XXXX. so i paid {$30.00} for expedited shipping and it was supposed to be 4 business days. It took them 3 business days to make the card i was told i would have the card yesterday and im still not being given access to my funds and its the XXXX and i should by law have had access to my funds by the XXXX no questions asked and this business does not offer that there isnt even a virtual card and this is ridiculous i paid {$30.00} for expedited shipping and i still dont have my card or access to my funds. I keep being told i can use my account and routing number to link to other virtual wallets but ive tried just about everything i can to gain access to my funds and the only thing that worked that i tried was an echeck but even that took way longer than it should have to recieve due to not having an active card on the account.
Product: Mortgage

Called PNC Bank in XX/XX/XXXX to have PMI Automatic cancellation per following conditions having been met. When loan principal balance reaches 78 % of the original value of property and are current on your loan payments, with good payment history. This is the 2nd mortgage I have had with PNC Bank since XXXX, 1st mortgage was a 15 year loan paid off in full in 10 years. Current mortgage is a 30 year loan, always paid a month ahead of due date with extra principal added to monthly due amount to have said mortgage paid off ahead of said loan term, just like I have done in the past with PNC Bank. This is why I choose PNC Bank to service my current mortgage needs, because I had satisfactory business relations with them in the past. Under the ( HOPA ) Act of XXXX I believe I have exceeded all eligibility requirements for Automatic Cancellation of PMT.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the Equifax data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX