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

In accordance with the Fair Credit Reporting Act. The list of account have violated my Federally protected Consumer Rights and privacy and confidentiality under the ( 15-U.S.C-1681 ) . 
XXXX XXXX XXXX XXXX- no account ever issued. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX. Account # XXXX Late payments XXXX XXXX - XXXX Closed XX/XX/XXXX no account # because it is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX -FRAUD not responsible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD Not responsible XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD NOT MINE XXXX XXXX XXXX XXXX XXXX, SD XXXX USA ( XXXX ) XXXX XXXX. XXXX XXXX.Transunion XXXX XXXX XXXX XXXX XXXX inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference # Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX 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 that a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; 15 U.S.C 1681 s2 ( 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: Debt collection

I have become aware and informed of the use of credit according to the truth in lending act. On XX/XX/2022 I mailed Prosper MarketPlace, INC a billing Error dispute in regards to an extension of credit account pursuant to 12 CFR 1026.13 ( 4 ) ( 5 ) ( 6 ). Prosper failed to comply with resolving the billing error by not responding in the time given by law and took adverse action against me by reporting late payments on my credit reports which was prohibited by law 12 CFR 1026.13 ( d ) ( 2 ) damaging my reputation. I exercised my consumer rights in good faith pursuant to 12 cfr 1026.13 ( d ) ( 1 ) to withhold payment till the billing error was resolved and prosper never resolved but they took immediate adverse action against me. I became aware that banks have the power to borrow and give security therefor and pay interest thereon pursuant to 15 USC 1431. Under truth-in-lending 15 USC 1605 a finance charge was charged which is the sum all charges and also included the INTEREST! The account in question shows positive credits ( the interest ) and no evidence of indebtedness, and those credit, I believe, should be credited to the consumers account. I believe every cash payment that I paid to prosper on the consumer credit transaction was unearned interest, according to 15 USC 1615 I am requesting a prompt refund of those cash payments. I am asserting my rights, as a consumer, by requesting additional clarification, including documentary evidence pursuant to 12 CFR 1026.13 ( 6 ) of tax records, bookkeeping of both journal and ledger entries of financial in accordance with 15 USC 44 " Documentary Evidence ''. I have also mailed Prosper MarketPlace and their registered agent a Pre-Arbitraiton Notice.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Experian. Please delete the following accounts. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Westlake Services , LLC dba Westlake Financial Services has filed on my Credit Report that as of XXXXXXXX XXXX XXXX they have reported " Account charged off. {$9800.00} written off. {$9100.00} past due as of XX/XX/XXXX. '' Westlake not only failed to notify myself or spouse that the vehicle as up for auction, but failed to give proper notification after being told that the XXXX had to have a new motor put in it due to fraudulent fixes the dealership had done and sold the car to us. Not only that but company gave a verbal notification of {$4500.00} would be the cost of the loan, requested written notice via mail or email. XXXX never sent said correspondence and then stopped answering phone calls. On top of XXXX writing off debt, they failed to send XXXX, and are still reporting it on my credit report. XXXX has also entered a civil lawsuit despite writing debt off in XXXX of XXXX.
Product: Debt collection

I recently filed a identity theft report in XXXX and there is still showing a collect from Paramt Rec ( original creditor : XXXX XXXX  XXXX XXXX for {$710.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
Product: Mortgage

I sent a letter to Mr Cooper due to a dispute with my escrow account when they sold my loan to XXXX XXXX. Apparently Mr Cooper Mortgage changed my escrow collections " by accident '' in XX/XX/2017 which left me a shortage of {$1600.00} owed this year. Therefore XXXX XXXX raised my monthly payments by {$200.00} which was a shock for me!!! 
Please see my attached letters for full details. After Mr Cooper received my letter they sent a response basically saying " sorry we made a mistake but you still the owe the money and we will not be paying for our mistake. '' As a consumer the purpose of escrow is to put enough money away to pay out my taxes, insurance, and other such things. If you are not going to do it correctly what is the point of you doing my escrow?? I as a consumer that pays all of my bills on time can certainly pay my own taxes, insurance, etc without having to have someone do it for me if I'm going to get XXXX in the end!
Product: Credit reporting or other personal consumer reports

i received alerts on my credit report that there was inquiries added to my report that i did not authorize. i was not present to consent to those unauthorized inquires. i reached out the creditors to provide my written consent to give authorization to pull my credit report. this is the same car lot that misused my information the first time trying to obtain a car loan in my name. The Inquires that are not authorized are the followingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Chrysler capitol in attempt to notify of my current XXXX XXXX military movement during my XXXX. I was on restricted movement traveling and had minimal access to phones and internet. I was charged late fees and my credit report was marked with a 30 day delinquency. Ive been trying to resolve this issue and am being told that there is nothing they can although the account is current.
Product: Credit reporting or other personal consumer reports

I am submitting my identity verification documents as I submitted a request for a new pin to unfreeze my clarity report. 

I grant XXXX XXXX  permission to permanently unfreeze my report
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX-XXXX XXXX XXXX   XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

In XX/XX/XXXX, I donated my car and filed Notice of Release Liability with CA DMV online, which should release my liability post-donation by CA DMV law. 
In XX/XX/XXXX, I received a towing citation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this car. They insisted that I was responsible for this ticket. 
In XX/XX/XXXX, the towing company filed a lien sale and bill me {$3900.00}. 
On XX/XX/XXXX, towing company hired Lien Receivable LLC to harass me and my husband by text, phone call, emails, invoice 7 times between XXXX - XXXX, even though I told them I no longer owned the car twice. They threatened me and my husband that I was legally responsible because I was the last registered owner. If I don't pay, they'll put a lien on my property and hurt my credit. They only gave me 2 hours to pay for a {$500.00} discount. Under the pressure and unable to contact the auto charity donation company to verify the facts, I paid the {$3400.00} and wished I could dispute the charge with my credit card company. 
On XX/XX/XXXX, due to the extreme stress from the debt collector, I started have XXXX XXXX  and had a XXXX on the next day ( XX/XX/XXXX ) After that, I suffered recovery from XXXX and is now going through a series of XXXX  treatments in the hope to get XXXX  again, which cost me about {$1500.00}. 
On XX/XX/XXXX, the XXXX, who process legal document of my car donation, mail a letter to the Towing company and stated that I was not legally responsible. I was not sure if I did NRL in XXXX at that time. 
On XX/XX/XXXX, I visited a local DMV office and confirmed that I did submitted NRL in XXXX so I should not be responsible. I called the towing company at XXXX, provided the facts and asked for a refund. They refused and claimed that I should ask the reimbursement from DMV and the donation company because their debt collector followed a " standard procedure ''. I also emailed Lien Receivable and provided the fact. No response so far. 
BTW, I'm in the process of getting a certified NRL in XXXX from XXXX  DMV to prove that I'm not liable in the vehicle this year.
Product: Debt collection

Equifax continues to post that I owe money to XXXX XXXX in XXXX XXXX Oregon on XXXX accounts. I called XXXX XXXX XXXX, XXXX and asked if I owed them money. They said I did not and had paid it off in XXXX. I want these accusations removed from my record on Equifax immediately. I have already filed a dispute with them longer than a month ago and they continue to have it posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
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 XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : 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 Was Made on Time : According to my bank records, the payment was made before the due date. I have attached payment confirmation and bank statements for your reference. 
Clerical Error in Reporting : There seems to be an inconsistency in the payment date reported versus the actual payment date. My records show no outstanding payments during the reported period.

Account Closed Before the Reported Late Payment : This account was closed and paid in full prior to the date the late payment was recorded. Documents showing the closure and final balance are attached. 
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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>2023 ) showing 60 days late without ever being 30 days late. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I got statment in mail a month a go from paypal credit which I never opened. There was a transaction amount {$840.00} from XXXX XXXX XXXX on XXXX/XXXX/2017. I made a several call to paypal that I never opend a credit card with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reporting or other personal consumer reports

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

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 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In my recent credit report from TransUnion Consumer Solutions, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record with TransUnion Consumer Solutions, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, TransUnion Consumer Solutions failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Checking or savings account

I made an online mobile deposit, on XX/XX/2021, for {$2300.00}, I visited TD bank, in XXXX ; XXXX Florida ; the bank put a hold on the check, Beyond the next business day ; I visited TD bank 's local office, with the check in my hand ; with a Florida ID ; I was refused service, or any portion of the funds from the above attempted mobile deposit ; I feel like I was discriminated against by TD Bank 's, XXXX ( TD Bank ) Manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian XXXX times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX XXXX times including today XX/XX/XXXX to request them to update the account with the credit beaurers as the account has been closed and settle. They inform me that the account has already been reported to XXXX, Experian, and XXXX as account settle for less and closed about XXXX months ago. However this credit companies refuse to update my account and lastly the representative from experian today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.