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

I sent in a letter around beginning of XXXX stating all XXXX credit agencies have to remove my Bankruptcy Chapter XXXX from my consumer report because the United States Bankruptcy Court stated they do not associate or verify information with the credit bureau so how can this Account/Information be accurate & why is it even reported on my consumer report. This is going against my rights as a Consumer.

I have attached the letter with the United States Bankruptcy Court Stated they dont associate or verify for proof.

Please see attached documents for support 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 card or prepaid card

I have recently checked my credit report and the following account The Golden 1 Credit Union ( Account Number : XXXX ) ( Account Type : XXXX XXXX XXXX ) is reporting late for XX/XX/XXXX. Also this account has stopped reporting to XXXX. Please report to all XXXX Credit bureaus and report to XXXX all payments made on time including all dates from starting date of this account opening from XX/XX/XXXX- XX/XX/XXXX as current. I have never been late for this account. This is a violation pursuant to 15 U.S. Code 1666b ( a ) - 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: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd 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 reported to be removed/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.

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!
Product: Debt collection

There were two separate accounts open under my name. I disputed the accounts with the original company who issued the credit. I was told that the information was going to be investigated. In my report only one account was closed but one still remains. XXXX refused to accept my dispute. I was not given the reason why they believe is mine when I told them I spoke to the company about this issue and they have agree to remove the ousting debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXXXXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX CREDIT CARD Opened XX/XX/XXXX, Account closed by Granter, I never opened this account, it doesnt belong to me XXXX XXXX  # XXXX Opened XX/XX/XXXX CREDIT CARD Balance {$680.00}, I never opened this account, it doesnt belong to me XXXX  XXXX XXXX XXXX opened XX/XX/XXXX Balanced {$670.00}, I never opened this account, it doesnt belong to me Account # XXXX XXXX  XXXX XXXX Account opened XX/XX/XXXX Balance {$580.00} Account # XXXX I never opened this account, it doesnt belong to me XXXX  XXXX Account opened XX/XX/XXXX Balance {$500.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX XXXX Account Opened XX/XX/XXXX Balance {$380.00} Account # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account opened XX/XX/XXXX Balance {$50.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX   Account opened XX/XX/XXXX balanced {$30.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Account Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX XXXX Account Opened XX/XX/XXXX Balance {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balance {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$0.00} # XXXX I never opened this account, it doesnt belong to me
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$460.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPOKE WITH XXXX SEVERAL TIMES ABOUT ACCTS THAT ARE SHOWING ON MY CREDIT REPORT AS CH.XXXX BK, BUT THESE ACCTS WERE PAID YEARS AGO. IVE SPOKEN WITH REPS AT XXXX ADVISED THEM TO LOOK BACK MONTHS AGO AND THEY WILL SEE THESE ACCT ARE PAID. AND THEY REFUSED TO BE HONEST AND REMOVE ACCTS THAT ARE SHOWING INACCURATE/BK. I HAVE TRIED REACHING OUT TO XXXX XXXX TO RESOLVE THESE ISSUES BUT THEY WONT CONTACT ME BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has willingly neglected to delete and block information on my credit report resulting from Identity theft. They continue to host 30 day disputes which is not in accordance with FRCA guidelines regarding identity theft claims. All information has been provided to Experian through certified letter, prior CFPB claim ( XXXX ), and an existing CFPB claim ( XXXX ). 

An account with XXXX XXXX XXXX XXXX has been placed back on my report after 5 months of it being removed which reflects Experian has failed to block the information which is required by law. It is also out of the 30/60 day of investigation/re-investigation time-frame. 

All information supplied to Experian is attached and shows the multiple attempts to resolve identity theft on my report. XXXX and XXXX handled this matter professionally and quickly. Any further attempts from Experian to only dispute and not delete and Block the  information will result in legal action. FRCA guidelines are attached for use by Experian as they have failed to delete and block the information.
Product: Vehicle loan or lease

In XX/XX/2022, an XXXX post-dated pay was set up for XX/XX/2022. On XX/XX/XXXX, I noticed there were pending transactions in my bank account for 3 payments of XXXX rather than the one I authorized and the one I make every month. On XX/XX/XXXX, I called PenFed to inform them that an error was made and that 3 ACH transactions were taken instead of 1. I requested that 2 of them be reversed because XXXX extra would be an undue and unreasonable strain on the living situation for my family during these uncertain times. I was told by the representative that they could not do anything about it!
Product: Mortgage

XXXX sold my mortgage to Caliber right when we were almost done with it. my home was set for auction XXXX XXXX caliber took it over XXXX XXXX XXXX had requested a postponement but it did n't go thru before the change, no one at caliber could help me, since i was n't in their system yet. I was in a state of sheer panic. i was going to lose my home because i was n't in the system???? I called everyone, i talked to supervisors, managers at caliber to no avail. i finally called XXXX who had done everything right for me. i finally got the foreclosure attorneys contact from XXXX. i called them, they had chases request but since caliber now held it they needed it from them. i begged, pleaded and threatened a law suit. nothing. the friday before the sale i did n't know if i was losing my home or what was happening. i had been contacting Caliber daily, same results, nothing. in desperation i called the foreclosure attorneys again. the girl i had spoken with preciously had put a postponement request in new date XXXX XXXX, XXXX XXXX weeks from today. Finally on XXXX XXXX Caliber had my information. I spoke with a lady explained for the XXXX time my situation. she walked me thru to where the loan modification papers were on their website they needed to have them within XXXX days of the sale. Wednesday, XXXX XXXX 2015 I emailed the documents, I requested they request a postponement so we could take care of this, and I requested receipt of documents, not surprisingly, i received nothing. i had explained that i am currently without a phone and need email communication. On Friday XXXX XXXX I again requested affirmation of receipt of documents, again nothing. This week I have sent thru their website XXXX times for help. I have heard nothing and my home is set for sale in XXXX weeks. I am XXXX and not in great health and my husband is XXXX from a XXXX. My grandkids also love here with me. i ca n't pack everything up and find out it was for naught ( much less the confusion to my husband and grandkids ) at this point I have no idea what to do. HELP ME PLEASE PLEASE right now i can only be contacted via email, but my phone should be back on soon that number is XXXX
Product: Credit reporting, credit repair services, 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 Equifax credit bureau is 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 update them immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX  payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Money sent by XXXX to wrong recipient was not refunded, fees were not refunded and data was exposed
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted request for verification and removal of several items. Credit bureau, Experian did not send proper verification and refused to remove. XXXX XXXX Bankruptcy Ref XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to obtain my credit report through XXXX. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.
Product: Vehicle loan or lease

Return the lease on time but they refused to sell the car and put too many charges and fees, according to them do to my credit score the refused to sell the car or give me another lease which its fine but they put many fees ( fees for return the lease and not getting another ; fees for extra miles, fees for small scratches in the seat, fees for a scratch in the window, fees for re stock the car ) some many fees and refused to negotiate the miles and or to give me the option to purchase the car as it- They never provide for my a detail of the charges when I sow the charges in my credit report I contact them and ask for an explanation they only gave me verbal information about the charges but nothing in write!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX and Experian about the XXXX reporting collections they both have on my consumer report. The debt has been cancelled with a XXXX for both reporting collections and I have disputed the collections but XXXX and Experian fail to remove the collections even after I disputed them. They are in violation of my rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXXXXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I applied for a business credit card with US Bank, for the purpose of a balance transfer. I was approve and was able to do a {$2700.00} balance transfer and paid a 5 % transfer fee. I had set up auto pay to make the first payment. The bank claims that the payment did not got through, and they did not have a reason for it. when I spoke to the bank rep, she was able reverse my interest payment ( {$82.00} ) and my late fee ( {$39.00} ) on XX/XX/year>. I have included bank statement below that reflect this. The rep also assured me that the promotion was reinstated and that I would not be getting charged with any more interest payments for the remaining promotional time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Self XXXX XXXX is violating my rights. The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. The account was open by identity theft. The company does not have an original signed copy of a contract. 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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

well there is 12 inquiries on my report that i did not consent to any of them runnuning my credit nor acessing my information i believe it was done fradulently underhandedly and with out my permissible permisson