23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Control , LLC committed several violations. When they first contacted my husband and I by phone I was not aware of who they were and what debt they were trying to collect. The person who called informed us that they were collecting a debt on behalf of XXXX XXXX. We informed them that we were n't aware of Credit Control , LLC on my credit report. I was transfered to a supervisor who informed me that they were collection a debt for XXXX XXXX. We informed him that the only XXXX XXXX collection that we are aware of was with XXXX XXXX XXXX and that I sent a letter requesting Validation and a written cease of communication notice and have yet to hear in writing from XXXX XXXX XXXX in regards to verification. We were then informed that Credit Control , LLC. is working on behalf of XXXX XXXX XXXX to collect a debt on their behalf. I asked again are you collecting for XXXX XXXX or The Bureaus? He said the XXXX XXXX, We were confused as to why they were saying they were collecting for XXXX XXXX as if they represented XXXX XXXX and did n't mention The XXXX XXXX until we informed them about my request for Validation and Verification to that debt and written cease of communications. Credit Control LLC is falsely claiming they represent the original creditor when in fact they represent The XXXX XXXX which is not the original creditor. They contacted by phone on behalf of XXXX XXXX XXXX when the XXXX was issued a written cease of communication notice.
Product: Payday loan, title loan, personal loan, or advance loan

I signed a contract with GoodLeap finance company for the installation of a solar panel system. The solar panel company, XXXX XXXX uses the GoodLeap company and would not start installation until a contract was signed. I signed the contract on XX/XX/XXXX. The installation did not take place until XX/XX/XXXX. My first payment to GoodLeap was not due until XX/XX/XXXX. As of XX/XX/XXXX, the solar panels are still inoperable. All payments are automated for the XXXX of each month. When I went in to check on my Goodleap account all payments have gone to interest. I inquired of the company, why none of my payments had any payments towards the principal. The company informed me that they began daily interest the day I signed the contract XX/XX/XXXX not the on the day the first payment was due, hence I incurred 90 days of interest prior to the first payment. I believe is a predatory lending practice the company is subjecting on consumers. With this predatory lending practice, the consumer will always be behind on payments to the principal, forcing interest to be paid up front over the life of the loan before the principal is paid down. On the GoodLeap payment website there is no way for the customer to paying directly on the principal of the loan.
Product: Student loan

I already know what SCS is saying. The check in question was through a bill pay account that funds the check before it is sent. Please see note below. 

My bank confirms that this was sent to them on XX/XX/2016. They DID NOT DEPOSIT IT until 113 days later. 

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/2016 place for deposit by them on XX/XX/2016. XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. 

1.The check was not returned for NSF. It was voided due to failure to deposit. " Check void after 90 days '' 2. I will not be sending anyone a MONEY ORDER. 

3. I will continue to send checks directly to XXXX until you figure out who I send a CHECK to. 

4. My check was not returned for NSF. and I will go to legal action if this claim is not corrected. 



Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I'd discovered that I have inquiries that has not been authorized. I did not give any permission to furnish this information to my consumer report. This is a violation of FCRA Section 1681b ( c ) which constitutes as fraudulent activity and breach of privacy rights. The inquiry was not authorized : XXXX XXXX - XX/XX/XXXX CAP XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTED MY ACCOUNT WRONG TO THE TRANSUNION TRADELINES. I SPOKE WITH THEM ON XX/XX/2020 IN REGARDS TO MY ACCOUNT. ON XX/XX/2020 I PAID MY ACCOUNT OFF. I WAS TOLD BY THE REPRESENTATIVE THAT THE ACCOUNT WAS NOT IN COLLECTIONS AND IT WOULD BE REPORTED AS PAID IN FULL, I HAVE DOCUMENTATION FROM THE COMPANY. I GET A NOTIFICATION FROM TRANSUNION THAT XXXX REPORTED MY ACCOUNT AS CHARGED OFF. I CALLED ON XX/XX/2020 AND SPOKE WITH A REPRESENTATIVE WHO SAID THE COMPANY MADE AN ERROR AND THAT THE WAS SENDING A REQUEST TO HAVE THE ACCOUNT REMOVED FROM MY TRADELINES. I ALSO HAVE THE CONVERSATION RECORDED. TODAY I RECEIVED A NOTIFICATION THAT THE ACCOUNT IS REPORTING AS PAID AFTER CHARGE OFF WHICH IS NOT TRUE. 
I HAVE TRIED TO CALL THE COMPANY NUMEROUS TIMES AND I AM NEVER ABLE TO SPEAK WITH A SUPERVISOR REGARDING THIS MANNER. THIS ACCOUNT WAS NOT IN COLLECTIONS OR CHARGED OFF WHEN I PAID IT IN FULL, IT WAS PAID OFF XX/XX/XXXX. PRIOR TO THAT, I MADE ARRANGEMENTS TO PAY IT OFF ON THAT DATE. THE ACCOUNT WAS STILL OPEN. 
XXXX XXXX LIED TO DESTROY MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am member of the Equifax credit monitoring service and have been for a while now. I have been able to update my score whenever possible. When I tried to update my score on XXXX XXXX, I was unable to. It gave me an error message. I have been trying everyday after that to update my score and get a new credit score. To this day I have still been unsuccessful. I contacted Equifax about this situation on XXXX XXXX and they can not tell me the reason why this is happening. Only XXXX XXXX, I applied for a mortgage loan and my lender was unable to get an equifax score to pre-approve me for a mortgage loan. Again, I called equifax and they were still unable to tell me why this is going on. They offered me a reduce rate on my credit monitoring service but that still does not fix my issue of not seeing a score. This has place a burden on me because the companies I have been applying for credit all use equifax and because they are unable to get a score, I am denied credit. Also, another issue I have having is Equifax reporting incorrect information. My credit card company removed all of my lates off my account and equifax is the only bureau that has not updated that information and its going on 2 months since this has happened. They are also reporting that I am over the limit on a credit card that I only owe {$4.00} on which has raised my utilization to 98 % and dropped my score tremendously. I have also spoke with them about this issue and have not received any satisfaction. The last issue I having with them is they refuse to remove my hard inquiries after I explained to them I have spoken with each company and they agreed to remove the inquiries.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed in with XXXX and XXXX  to have XXXX XXXX XXXX remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for an American Express Card and it was never sent our to me for almost 5 weeks. 

When I got the replacement card it never worked. 

I have had numerious issues dealing with the XXXX Call Centre for AMEX and I would like the card cancelled and a full refund applied to for {$440.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Trans Union regarding violations of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. Enclosed, please find a copy of my recent correspondence with Trans Union, as well as documentation supporting my complaint. 

In my previous communication with Trans Union, I have outlined numerous discrepancies and inaccuracies in my credit report, specifically concerning the reporting of accounts attributed to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Despite repeated attempts to dispute and rectify these inaccuracies, Trans Union has failed to take appropriate action and continues to report erroneous information on my credit file. 

I believe that Trans Union 's actions constitute clear violations of the FCRA, including but not limited to : Failure to conduct a reasonable reinvestigation into disputed accounts ( 15 U.S. Code 1681s-2 ). 
Unauthorized reporting of inaccurate information without proper verification ( 15 U.S. Code 1681b ). 
Repeated issuance of frivolous " Verified '' responses without providing substantive evidence ( 15 U.S. Code 1681n ). 
Furthermore, Trans Union 's disregard for the statutory requirements outlined in the FCRA has caused significant harm and distress, including damage to my creditworthiness and reputation, as well as undue financial burden. 

As such, I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement action against Trans Union for its willful noncompliance with the FCRA. I trust that the CFPB will uphold its mandate to protect consumers ' rights and ensure fair and accurate reporting practices by credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX Acct # : XXXX Account came back verified & validated. Not sure how this investigation was done being this is a collection account and is showing a past due balance {$2400.00}. Collection accounts are past due by default. This is a direct violation of FCRA requisites & Metro 2 guidelines.
Product: Credit reporting or other personal consumer reports

XXXX  acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. XXXX has verified that they don't have no contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. ( See Attached ) For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. They are reporting to the credit Bureaus without my consent. Also XXXX, XXXX, Equifax has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX, XXXX Last Verified Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XX/XX/2021 XXXXXXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY ME
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
XXXX XXXXXXXX XXXX Balance Owed : {$500.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$500.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP.
Product: Vehicle loan or lease

violated repo laws The Nevada Revised Statutes detail what specific information the notice must include. For example, the notice must : Itemize the loan balance, repossession costs, and any other costs or fees related to your default. 

show proof that i received it time stamped in date Never received right of redemption i never received it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.
Product: Debt collection

The collection is not bonded in Texas and can not legally collect debt. Please remove accounts from my credit report and confirm that the debt is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX as incorrect information on my credit report that they need to update
Product: Debt collection

XXXX loan was charged off by original lender years ago. XXXX funding acquired a XXXX XXXX account this year and included the other account at their own will. XXXX XXXX XXXX did not sell this loan to them they assumed this account on there own predatory practices. They have not produced any original paperwork and have ceased sending notices and calling about those debt. This loan was open in XXXX charged off by XXXX. XXXX was not aware that they assumed this debt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to  creditor : Synchrony Bank. The debt collector is XXXX. XXXX offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX/Synchrony account is not mine. I did not open these accounts.
Product: Debt collection

on XX/XX/XXXX XXXX XXXX XXXX XXXX sold debt that was listed and discharged on XX/XX/XXXX. bankruptcy XXXX. Finally, new tradeline now appearing on all credit reporting bureaus. TRANSWORLD SYSTEMS HAVE VIOLATED ALL CONSUMERS LAWS AS WELL AS AUTOMATIC STAY!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my XXXX  report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.