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

I am writing to file a formal complaint regarding XXXX XXXX and their mishandling of the reporting on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX claims that I missed a payment in XXXX of XXXX, an allegation I firmly dispute, as I have maintained consistent and on-time payments throughout my relationship with them. Despite my efforts over the course of several years to dispute this inaccuracy, each investigation conducted by the credit bureaus has concluded that the reported late payment is " verified, '' yet no tangible proof has ever been provided to substantiate this claim. 

Credit reporting agencies are obligated to ensure that all reported information is accurate and substantiated. This repeated failure to provide proof of the alleged late payment is a violation of my rights under the FCRA. XXXX XXXX has not been able to supply the necessary documentation to prove that a missed payment occurred, despite my numerous requests for verification, including the original statement and payment records from that time. 

This willful non-compliance by XXXX XXXX and the subsequent failure of the credit bureaus to address the issue properly have caused significant harm to my credit profile. As a result, I have been unjustly penalized for something that is not only incorrect but unverified. Such negligence has gone on for far too long and is a clear and blatant violation of my rights as a consumer. 

The continued reporting of this erroneous late payment without adequate proof is unacceptable and warrants immediate correction. If the disputed late payment can not be verified with concrete evidence, by law, it must be removed from my credit report. Should this matter not be rectified promptly, other avenues will have to be explored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus letters asking them to verify my debt. They responded by saying that everything is verified correctly. The problem with that, is that after they said that, my credit report is still showing inaccuracies. 


15 U.S.C. Sec. 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, Name of Account Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account
Product: Credit card or prepaid card

XX/XX/2018 {$830.00} ( {$740.00} + Tax {$92.00} ) This was a charge from a Dive/Snorkeling Company in XXXX that the trip was canceled by the Captain of the boat.

Tried disputing with American Express two times and they will not refund our money. They say ts a close case due to we signed a contract. 
See below for more details.
Product: Credit reporting or other personal consumer reports

I am writing regarding a serious issue involving the re-insertion of inaccurate information in my credit report by Equifax. This complaint is being filed pursuant to the Fair Credit Reporting Act ( FCRA ) to address the following violations and seek appropriate relief. 

Previously, XXXX XXXX identified XXXX inquiries on their credit report that were inaccurate. After filing a dispute with Equifax, these inquiries were investigated and subsequently removed from XXXX 's credit report. However, it has come to our attention that these same inaccurate inquiries have been re-inserted into my credit report without proper notification or justification. 

Violations of the FCRA : Under the Fair Credit Reporting Act, Equifax is required to adhere to strict guidelines when handling consumer credit information. The following violations have been identified in this case : Re-insertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Equifax has violated FCRA by re-inserting information that was previously deleted without following the mandated procedures. Specifically : 1. Notification Requirement : Equifax failed to provide XXXX XXXX with a notice of re-insertion within five business days as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

2. Certification Requirement : Equifax did not obtain or provide XXXX XXXX with a certification that the information was accurate and complete, which is a prerequisite for re-insertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ).

3.Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

Citibank Amount : XXXX Date : XXXX XXXX I made the report that there was a transaction that was done in my account that I have no idea about. They said they will investigate the case with the case number of XXXX. I asked them if I need to report to the police but they said there is no need for the case is under investigation. I made a follow up call after 3 days and they said that it is still under investigation. I have to wait for 10 business days to receive my funds back. So, I called XX/XX/2022 and I was just shocked that they denied my claim. The reason they gave was too vague and that I asked them what is this company that made withdrawals of my money. I made a few phone calls and was treated rudely. I was directed by one of the calls I made and told me to report it to the Police and they will re-investigate. The name of the merchant is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Request for clarification on the verification procedure for my dispute. 

I hope this letter finds you well. I am writing to file a complaint against Trans Union, regarding their recent response to my dispute. On XX/XX/2024 Trans Union responded stating that my accounts were " verified and updated '' without providing any details about the verification process conducted. As a consumer, I have the right to understand how my disputes were verified and updated in accordance with the consumer protection laws.

I kindly request your assistance in obtaining clarification on the following matters : 1. The specific procedure followed by Trans Union in verifying my dispute : a. Please provide information on the methods, techniques, and sources utilized by Trans Union to verify the accuracy and completeness of the information disputed.

b. Kindly explain the timeline and steps involved in the verification process.

2. The legal basis or consumer protection laws upon which Trans Union relied for the verification : a. Please specify the applicable laws or regulations that govern the verification process for disputes.

b. Clarify the requirements or standards that Trans Union must adhere to under these laws.

3. Documentation related to the verification process : a. I would appreciate receiving copies of all documents, records, or correspondence relating to my dispute verification to ensure transparency and adherence to consumer protection laws.

b. If there are any specific guidelines or policies that Trans Union follows for verification purposes, kindly provide those as well.

I believe it is within my rights as a consumer to receive timely and accurate information about my dispute verification process. Transparency is essential to ensure fair and just proceedings and maintain compliance with consumer protection laws.

I kindly request your intervention in obtaining the necessary information from Trans Union. Your support in this matter will be greatly appreciated.

Please find enclosed all relevant documents and correspondence related to my previous dispute with Trans Union. If there are any additional details or specific requirements needed from my end, please do not hesitate to inform me.

Thank you for your attention and assistance in addressing this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

I called the company after 6 months of living in the home. I contacted the company to ask about the modification process and proceed to apply. I was contacted and told I was approved and I will receive paperwork in the mail via XXXX a month and a half went by still did not receive the paperwork. I contacted them again a second representative confirmed that I was approved for the modification and that I will receive papers via XXXX. I will not have to pay my mortgage for three months until the new payment started two months go by I received a certified letter stating the home was going into foreclosure. I hired the attorney. They tried to get the modification and I was still denied due to original loan underwriting messed up somewhere. So now I am forced to file bankruptcy in order to keep my home. There was no type of Help from this company. I believe the employers that told me I was approved shouldve be penalized.
Product: Debt collection

Midland funding is a party of XXXX but is not my account but fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Performance Management , LLC ( RPM ) illegally re-aged a collection account. The information on credit report shows an open date of XX/XX/2019 and that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Checking or savings account

I had an account starting back in 2006. I was constantly being charged fees, they would overdraft my account nearly weekly when I had money in it! They would charge me fees that would make me overdraft, then charge me more fees for overdrafting. It was atleast {$35.00} for every transaction. Plus some other {$5.00} fee. I had several charges that I had to dispute throughout the years and they would not cooperate to help me fix it, and would apply more and more fees. Wells Fargo ruined my credit for a decade. They didnt protect me or my finances as a customer. I finally walked away. They didnt honor my loan terms and I had similar issues with my credit cards. They have swindled thousands out of me. I was on the phone or in a branch weekly trying to resolve issues. It led extreme amounts of stress and I started having XXXX XXXX
Product: Debt collection

An account from XXXX XXXX XXXX was opened under my SSN either accidently or fraudulently. The debt is not mine, I have never had any accounts with XXXX XXXX XXXX. From my understanding, the phone number, name, address, etc. associated with the original account are not linked to me, but the account somehow continues to show up on my credit report. I have disputed this account with both XXXX and the collections agencies every time it shows up on my credit report. Every time I dispute the account it is removed, however, every 3 months or so the debt is sold to another collections company and it shows up on my report again. 

Please help me get rid of this fraudulent account for good, it is ruining my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} ACCOUNT XXXX XXXX XXXX {$0.00} ACCOUNT XXXX XXXXXXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have been the victim of Identity theft and XXXXXXXX XXXX and have tons of information in my credit reports that is just wrong. Addresses from states all over the country when I have always lived in the same county. Names are incorrect, contact info, employers. Everything, and I have been contacted by debt collectors inquiring about companies I have never used or heard of. The CRAs " verify the info '' with the furnisher within 3 days and never send me a report or the results but everything is still in my report. I am finally receiving some help leaving through HUD but no one will rent to me with all of this crazy stuff in my reports. 

I have sent this letter over 3 times to each bureau and furnishers too with everything required like ID and Police / ID Theft reports but nothing happens and I get literally no response
Product: Debt collection

I called IQ Data first XX/XX/XXXX, XX/XX/XXXX and then XX/XX/2019 and left a voicemail each time. This was after I received a letter from XXXX XXXX XXXX XXXX XXXX that I owed a debt. I also reached out to XXXX XXXX XXXX XXXX to resolve the issue prior to contact with IQ Data International. Upon calling IQ Data International these three times I did not receive a call back until XX/XX/XXXX when the bill was sent to collections and reflected on my credit. Upon this call I received a response of derogatory language and refusal to handle or look at my dispute information. The only way you would look at my dispute information for which I had previously mailed was if I would give you my credit card as a placeholder. IQ Data said they would give me an email address for a supervisor to send my dispute information to. I gave my card to get the email. I sent the info immediately. The next morning the charge was made to my credit card. I immediately called my bank to let them know I did not authorize the charge and explained what had occurred on the phone with IQ Data. On XX/XX/XXXX I again talked with IQ Data after they received notification from my bank that I had not authorized the charge, they said they would charge me for bank fraud, make sure I would never rent again and my credit would be ruined. I asked to speak to a supervisor who then raised his voice at me and said that they would not review any of my dispute information and they would indeed take me to court, sue me and make sure I am brought up on charges. I said there is not justification for this as I did not authorize the payment they kept saying they had the call recorded. I said okay, great then a judge can review it and hear I was blackmailed into giving a card in order to get a email to send dispute information for my file to be reviewed. I have submitted 2 complaints with the XXXX and a review of the business to try to resolve this and they are to no longer contact me after this last interaction. I have sent dozens of emails with the dispute information to them showing the debt false. These emails include the DV information, ledger, laws, photos upon my move out etc.
Product: Checking or savings account

On XX/XX/2020 my stimulus check of {$1700.00} was deposited into my closed TD bank account. Ive reached out to TD bank on XX/XX/2020to verify that my account was closed and to see if they sent the {$1700.00} back to the irs they said the money was sent back but could not give me a date. On XX/XX/2020 the irs ran a trace on the money and it shows that td bank still has the money. I reached out to td bank again on XX/XX/20and spoke to the manager at the XXXX CT location who said he reached out to the ACH department and they told him the money was sent back. I called td bank again onXX/XX/20 to find out why the irs has yet to get the money back I asked them when was the money sent back they could not give me a date as to when the money was returned to the irs.
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, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit card or prepaid card

I am set up for online credit card payments with XXXX XXXX  Services and I made a payment of {$240.00} ( the minimum payment ) by the due date of XXXX/XXXX/2017. However, they are claiming my XXXX payment was late because it was paid after the " cutoff '' time, which is not noted anywhere on their website 's payment portal. As a result, I was charged a late fee of {$27.00} for supposedly making a late payment. I do not believe they should charge this fee when they do not make it clear when the " cutoff '' time is. I have attached screenshots of their online payment portal and I would appreciate if your agency would look into this.
Product: Credit card or prepaid card

Had a Wells Fargo Credit Card for several years always in good standing. 
My Credit Limit was XXXX and as stated an older account with XXXX balance. With no warning they closed my account. 
For several stupid reasons ... .everyone I talked too was different. 
This had an adverse affect on my credit score! 
I have found this to be common practice and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX  XXXX items. Please remove these fraudulent accounts from my report. Thank you.XXXX  XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX PB XXXX {$670.00} XXXX XXXX XXXX {$130.00}
Product: Student loan

XX/XX/XXXX I was disbursed XXXX XXXX XXXX XXXX by XXXX XXXX XXXX Navient serviced the loan. In XXXX, I requested a loan repayment plan to begin the XXXX XXXX XXXX XXXX process from Navient. I was informed that my loan type did not qualify and instead the company consolidated the loan into a private loan type. Given the recent updates to the XXXX and the temporary waiver put in place, I learned that my original loan type did qualify and that the lender lied to me in order to get me into a high interest private loan product.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My identity has been stolen due to recent and pass data breaches, I have seen some accounts in my credit report that do not belong to me and I'm requesting for them to be removed from my consumer credit file, I filed and ID theft report that will be attach to this complaint please removed these account from my credit report.

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

XXXX  inaccurately reporting accts after documentation sent in
Product: Debt collection

On XX/XX/2022 I sent a certified, return receipt requested cease and desist letter to Portfolio Recovery regarding this debt which falls into the Statue of Limitations of owing this debt. I received the notification that the letter had been received on XX/XX/2022. The debt is over seven years old. I receive a phone call every day from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they arein violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.