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

I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. I previously disputed this with XXXX on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act. 

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information. 

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My Venmo account was permanently closed without any detailed explanation provided by Venmo. To resolve this issue, I made several requests to Venmo support. 
I requested a specific explanation for why my account was permanently closed. However, Venmo only stated that I violated their terms and conditions without providing any specific details. I asked Venmo to identify which specific terms and conditions I allegedly violated and to clarify how I violated them. Despite multiple attempts, Venmo did not provide this information. Additionally, I requested the release of the {$41.00} that is stuck in my Venmo account. Venmo has not responded to this request.Despite these efforts, Venmo has not provided any specific information or resolved the issue.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Experian to correct an obvious error they have placed on several accounts on my credit bureau. This is not a complaint so they can go verify it with the original creditor/furnisher, it is clearly an error on EXPERIAN 'S reporting. My initial letter with all supporting documentation was sent to them XXXX of 2022. I have not received a response nor are the errors corrected. 

I find this to be a huge problem if Experian is the only one of all three bureaus showing this on all of the below listed accounts. Ive included a copy of my credit bureau for each account. 

There are a total of 8 accounts. Please as I stated before, this is not a request to have experian verify it with the creditor, it is a CLEAR error on experians reporting, all these accounts are in a good satisfactory payment standing, but they continue to place incorrect remarks in the payment status. 

If these payment status remarks are not removed immediately I will use all legal resources provided to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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
Product: Credit reporting or other personal consumer reports

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$23.00} XX/XX/XXXX XXXX XXXX {$23.00} XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$260.00} these purchases were made on XXXX from an accident as the items were delivered, I contacted American express to find out that the account has charged the transactions from an expired credit card
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In reference to XXXX XXXX ending in XXXX. I have asked for reporting information to be reviewed because it is not accurate. I have reached out to the CEO and CFO. My request was denied. I have never missed a payment. I have always paid monthly. I did make a mistake in payment amount for XXXX. Im asking that my report reflect all payments made and consideration be given for the mistake in payment amount. I never meant to be short {$6.00}. It was an oversight that I corrected the instant I was made aware of my mistake.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through an FTC Identity Theft Complaint : Credit Card Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$340.00}. 
Credit Card Account : Opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$7400.00}. 
Credit Card Account : Opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4300.00}. 
Credit Card Account : Opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4300.00}. 
Auto Loan or Lease : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$14000.00}. 
Auto Loan or Lease : Opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$80000.00}. 
Auto Loan or Lease : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$16000.00}. 
Personal Loan Account : Opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$13000.00}. 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, XXXX had automatic right withdrawals to my account. 

When the nature of the loan changed, XXXX stopped the withdrawals from my bank account. XXXX claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, XXXX had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. XXXX never even bothered to respond to either inquiry. 

I would like XXXX to remedy this wrong and withdraw their falsely alleged complaint to the Credit Bureau.
Product: Debt collection

These items were purchased by a third-party debt collector. These accounts must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by the third-party debt collector. As you can see by my attached supporting documentation and highlighted issues. This information is NOT CORRECT & NOT ACCURSTE. There for it must be DELETED IMMEDIATELY. 
Ive disputed these item multiple times and I never receive any information or change to my credit report. The result would show as Not Changed : Disputed information was verified as accurate. Which this is not correct. According to the FCRA, companies promise to report information that is accurate and complete and none of this is accurate, complete, or fair. 
Here is the account name and number for reference and incorrect amount also. 

CREDITOR : XXXX XXXX XXXX XXXXXXXX ( XXXX ) ACCOUNT # XXXX BALANCE {$1100.00} ACCOUNT # XXXX BALANCE : {$1200.00} ACCOUNT # XXXX BALANCE : {$290.00} CREDITOR : XXXX XXXX XXXX ( XXXX ) BALANCE : {$680.00} CREDITOR : XXXX XXXX XXXX ( XXXX ) BALANCE : {$290.00} How much did the collection companies pay for this item? I dont know neither does my credit report reflect this amount. This a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 
I am not working with ANY CREDIT REPAIR COMPANY. For verification I have attached my license and a bill for proof. Please do not send me a standard INFORMATION VERIFIED EMAIL or LETTER. I am not asking for verification but showing you exactly what has been wrong after reportng multple times.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/2025, and TransUnion has failed to respond to my dispute within the legally required 30-day timeframe under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. Their deadline to respond was XX/XX/2025, yet I have received no resolution. 

Background of My Dispute : XX/XX/2025 I submitted a dispute to TransUnion regarding a verification issue and provided supporting documents. 
XX/XX/2025 I discovered that my Social Security number is not properly linked to my credit report, preventing creditors from accessing my file. 
XX/XX/2025 I sent an email to XXXX requesting an immediate correction. 
XX/XX/2025 I called TransUnion, and they falsely claimed that no dispute exists in their system. 
XX/XX/2025 TransUnion has still not responded, violating the FCRAs 30-day deadline.

FCRA Violations by TransUnion : Failure to Investigate My Dispute Within 30 Days TransUnion has ignored the legal deadline. 
Failure to Maintain Accurate Consumer Information My Social Security number is still not linked to my credit file, causing financial harm. 
Negligence and Deliberate Delay I have been denied credit due to their inaction.

Immediate Action Requested from CFPB : Require TransUnion to process my dispute immediately and confirm resolution. 
Ensure my Social Security number is correctly linked to my credit report. 
Investigate TransUnion for failing to comply with FCRA guidelines. 
Impose penalties on TransUnion for violating consumer protection laws. 

If this issue is not resolved within 7 days, I will escalate my complaint to the FTC and my State Attorney General and pursue legal action for damages. 

Attachments : Copy of my original dispute letter ( XX/XX/2025 ) Copy of my SSN correction request ( XX/XX/2025 ) Proof of Certified Mail tracking number & receipt Screenshot of my previous emails to TransUnion Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Some guy pulled into my driveway and tried to take my car while I was still in it.. 

I noticed that there was some guy lurking in the back of my driveway, because I heard the door close. The drive way is wrap around so, as I ran out to confront him trying back into the entrance of the wrap around drive way.. so I got in the car. As he backed up to block me in, so as to attempt to hitch the vehicle ( 1 that I'm still in at this point, might I add ) rolled my window down and asked him not to block my driveway yet he proceeded to do so, then he put the forks under the tires and began lifting. So, I proceeded to drive off the forks, at which point he still tried to block me in the driveway and I had to drive thru the neighbors yard to evade him.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unverified information being reported by TransUnion regarding an alleged debt from XXXX XXXX XXXX XXXX for a XXXX XXXX account XXXX TransUnion claims to have validated this debt ; however, they failed to provide the key detail of the original XX/XX/2013 open date in the documentation I received. 

This origination date was provided by XXXX in CFPB case XXXX ( see attached letter ), but was never disclosed in XXXX 's previous dispute responses for XXXX earlier CFPB cases : # XXXX, # XXXX, # XXXX, and # XXXX. The attached letter is what this debt collector keeps providing, but this letter shows new information that has NEVER been provided before and that is the originated date. Where is this date from, and where is my signature agreeing to this date? 

Despite multiple disputes, TransUnion continues to report this debt without verifying the accuracy of this debt collector 's debt and not providing documents on how the originated date of XX/XX/2013 came from, with my signature agreeing to this so-called date. This represents a failure to reinvestigate disputed information under the Fair Credit Reporting Act reasonably. 
By persisting in reporting this unverified, inaccurate debt information, TransUnion is in violation of the FCRA provisions regarding negligent or willful noncompliance for failure to conduct reasonable reinvestigation and to remove disputed information that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to these inquiries reporting on my consumer report, authorize nor benefit from any of the following inquiries, Block and remove them immediately
Product: Credit reporting or other personal consumer reports

In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts.

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. XXXX and Equifax have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.
Product: Checking or savings account

On XX/XX/year> Fraud was committed on my debit card which is is connected to my bank acct I reported it to chase bank, there were XXXX charges. Today on XX/XX/year> I came to realize the credit they issued for XXXX Fraud was reversed and taken out of my acct, when I called they said they have proof It isn't fraud, I spoke to XXXX he refused to show me send me that info so I asked for a supervisor, the supervisor said she would send me that info but it was confirmed I made the transaction because chase said they XXXX had my full name, address, email address and phone XXXX I explained to them that who ever did this stole my identity XXXX I needed to change all my access they didn't want to hear me or my explanation and told me I am liable for that charge and the other ones were still pending. How can I b liable for that they keep asking me if the card was in my possession as if I gave it to someone, they r accusing me of that, I responded of course the card was in my possession I used it and made purchases with it at stores. They will not help me or reopen the case, they took back the money of XXXX. I did not commit this fraud my identity was stolen and I really would like my monies back. Thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up
Product: Mortgage

To Whom It May Concern, I was placed on forbearance from XXXX 2019-XXXX  of 2019. This forbearance was given to me due to XXXX which was a tropical storm. I had a conventional loan which states the forbearance can assist me for up to 6 months consecutively. 

Freedom Mortgage reported to the credit bureau that I have late payments that were over 90 days. These readings are imperatively degrading my credit report. 

Also, immediately following this 1st forbearance I was placed on the Covid-19 forbearance in XXXX. I had no gaps between the disaster forbearance and the Covid-19 forbearance. It is my understanding that during the 1st forbearance I would be covered for 6 months since I have a conventional loan. 

I have since paid off my loan in full but now my credit report is reading that for the months of XXXX and XXXX I was over 90 days in late payments. This is impacting my score immensely and it is making it impossible to proceed with a new loan for a new home. I would appreciate your help with this very important matter. 

Best Regards
Product: Checking or savings account

I received an email from CitiBank which offered {$100.00} cash bonus if I enroll the offer, set up enhanced direct deposit between XX/XX/2023 and XX/XX/2023 and between XX/XX/2023 and XX/XX/2023 make at least one Enhanced Direct Deposit ( which includes XXXX ) per calendar month of {$500.00} or more directly into the checking account, for 2 consecutive calendar months. As instructed, I enrolled the offer for my checking account at CitiBank and made deposits through XXXX with amount {$500.00} each time on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which met the requirements for the cash bonus. However, so far I still have not received the {$100.00} cash bonus. I have contacted the customer service multiple times through phone but they were not able to help me resolve the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address