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

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a SunTrust business account auto loan, Disputes opened with XXXX, XXXX, and XXXX. The payments were not late but were reported late by SunTrust after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from SunTrust or the XXXX credit agencies regarding this matter.
Product: Credit reporting or other personal consumer reports

I am submitting a formal request for the investigation and deletion of unauthorized inquiries on my credit report. I have attached an affidavit of dispute affirming the authenticity of this request. 
These inquiries were made without my consent, and upon contacting the listed creditors, they confirmed they do not have evidence that I initiated these inquiries, nor do they possess any written or verbal authorization from me, as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I understand that verification may occur through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ) . However, the CFPB has highlighted limitations in the EOSCAR system, noting that automated processes can be insufficient when accuracy depends on verifying underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and full verification of all relevant documentation.

Additionally, I am specifically requesting any original application forms or initial documents that creditors may have on file. This is to ensure that only responses based on primary documentation are considered, rather than automated EOSCAR confirmations.

Under the FCRA, these inquiries violate requirements for permissible purpose, verification, and accuracy. The relevant FCRA provisions that support my request are outlined below : 1. Section 604 ( 15 U.S.C. 1681b ) - Permissible Purposes : Since I have not authorized these inquiries, they do not mee
t the permissible purposes outlined in this section.

2. Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) - Inaccurate or Unverifiable Information : The FCRA requires credit bureaus to delete unverifiable items promptly. As there is no verifiable authorization, I formally request the removal of these inquiries.

3. Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) - Right to Access and Verification : The FCRA mandates that credit agencies verify each inquiry, including an original signed contract proving my consent. Since you can not provide this documentation, I request the removal of these inquiries.

4. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Information Providers : Information providers must ensure accuracy and authorization ; these inquiries fail to meet these criteria.

5. Section 605A ( 15 U.S.C. 1681c-1 ) - Identity Theft Protection : This mandates the removal of unauthorized inquiries potentially linked to identity theft. I request deletion under this protection.

Relevant Case Law : In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without a legitimate purpose or consumer consent violates the FCRA. Similarly, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) upheld that credit inquiries must meet permissible purpose requirements, supporting my request to remove unauthorized inquiries.
Product: Student loan

Received a call from 1file.org claiming to help with loan consolidation for my student loan. I payed {$900.00} up front and {$39.00} a month for this service. I have not seen any consolidation information or loan forgiveness help. I am paying two separate amounts, {$39.00} to 1file.org and {$160.00} to XXXX. I am wondering if the 1file.org company is a scam and how I can stop the monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is REVENUE RECOVERY CORPORATION was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, REVENUE RECOVERY CORPORATION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) REVENUE RECOVERY CORPORATION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation REVENUE RECOVERY CORPORATION are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where REVENUE RECOVERY CORPORATION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. REVENUE RECOVERY CORPORATION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

my twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Product: Credit reporting or other personal consumer reports

I demand the XXXX account to be immediately removed off my consumer report, unless there is proof of signature that I did indeed do business with this company, as I have no idea who this company is and have never done business with this company as Ive disputed before. I do not even know what a flex spending account is nor have I ever had one. If there is no such proof then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance .
Product: Debt collection

As the participant entitlement holder for this account, There has been three attempts to this financial institution requesting a full accounting pursuant to UCC 9-210. There is no debt on this account and they are infringing on my consumer 's right by taking adverse actions in forms of restricting my account 's limit, not following their grantor and participants orders as I am entitled to Issue a Transfer Message, Receive interest and other payments with respect thereof, and Exercise all the rights and powers with respect to the Security related to this account pursuant to 31 CFR 357.13, which was express through the notices that was sent to them. They have failed as trustees to follow orders for this is a consumer credit transaction use only for personal, household goods out of necessity. after my final notice, I received a response stating that they will not change anything according to my orders as attorney-in-fact over this account. Through their acquiesce they agree to all my terms. Overall they have received all necessary credits for any debt for this account and since they are stating there is balance owed there may be some misappropriation of funds. Therefore, there are required to provide me with a copy of the full account to prove that there is balance owed to this name.
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 Transunion, XXXX, and XXXX. 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 XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The 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 or other personal consumer reports

These accounts have both been disputed and deleted from my XXXX and XXXX reports as they were both deemed inaccurate. As per the CFPB response the collector XXXX XXXX XXXX stated that the account was closed and reporting stopped but instead they continue to negatively impact my credit and over life.
Product: Mortgage

I received and property tax bill from XXXX XXXX XXXX XXXX between XXXX or XXXX of XXXX informing me my property taxes were owed. I contacted TD Bank my mortgage Lender about my property taxes and was informed my escrow account had no money. I contacted XXXX XXXX XXXX XXXX located in XXXX, XXXX. to find out why my escrow account couldn't pay my property taxes. They were no help.I contacted my XXXX XXXX XXXX XXXX XXXX XXXX and found either, and, or TD Bank or XXXX XXXX XXXX didn't properly estimate my property taxes when I purchased my house in XX/XX/XXXX. Causing my monthly mortgage to increase by {$500.00} TD Bank spread the taxes out over my mortgage payments. I applied for a temporary forbearance with TD Bank and they lied about my application and denied the forbearance. Currently I'm asking TD BANK for a loan modification. I have little confidence they will approve it. TD Bank, nor XXXX XXXX XXXX did their due diligence from the inception of my home loan process, as simple as contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX to get the correct tax estimate, now I'm paying for their shared incompetence. I feel scammed because they caused me finical hardship.
Product: Credit card or prepaid card

On XX/XX/XXXX we closed on a refi with our title company. With the closing of the refi, we were paying off the balance of {$9400.00}. The title company overpaid by {$1700.00} so the check total was for {$11000.00}. 
Barclay received the check, cashed and cleared by XX/XX/XXXX. 
I called Barclay and was told it can take 7-10 business days for the payment to be applied to our account. It never got applied to my account. 
I was then informed it would take another 7-10 business days to find out IF Barclay actually received the payment. In the mean time I was advised to SEND ANOTHER PAYMENT so I won't get hit with a late fee!!! So not only do they have my money, they have the overpayment of {$1700.00} AND they want me to send them another {$230.00}. 
I feel like I have been taken for a ride and I have been stolen from. All I want is my money back, to pay them off and get them out of my life and spare anyone else the headache and time spent trying to get them to just do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses
Product: Credit reporting or other personal consumer reports

I already contacted Experian and they sent me a notification that they removed the some accounts but they still there. And I have late payments on my carmax account that should not be up there XXXX and XXXX for that account have XXXX late payments and I provided proof.
Product: Debt collection

Balance : {$3.00} On XX/XX/2019 I notified Professional Debt Mediat in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Professional Debt Mediat refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Professional Debt Mediat under the Dodd-Frank Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint with Transunion. I called and spoke to a lady XX/XX/2023 @ XXXX XXXX XXXX. She would not help me get through to someone about my credit file with them. She stated I have mixed information on my file and is generating a ticket. I asked for her supervisor and she hung up on me. I do not feel a major credit company as transunion should be allowed to operate like this. My personal information was verified and they cant fix whatever is inaccurate or mixed up. That is insane and honestly a bit scary.
Product: Credit reporting or other personal consumer reports

XXXX is allowing Upstart to report false payment history on my credit report. UPSTART IS ENGAGING IN PREDATORY LENDING PRACTICES IN DIRECT VIOLATION WITH FDCPA. I HAVE PAYMENT RECEIPTs FOR XXXX AND XX/XX/2024 PAYMENT. Upstart has received double payments ahead of due date in XXXX for XXXX and in XXXX for XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I filed on XX/XX/2024 A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report. 

and makes and they need to be removed. 

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks XXXX
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, Equifax 's 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.
Product: Debt collection

I recently discovered that I C System Inc has been reporting an outstanding XXXX debt ( XXXX XXXX Hospital ) to my credit since XX/XX/2015. I do not owe this. I don't know how XXXX determined anything was owed to them since payment was made at the time services were rendered. It's not like my XXXX can walk in on his own and have services billed to me. I have attempted to dispute this debt to both IC System and the XXXX XXXX office, to no avail. I have asked for proof of this debt and received no response. IC System simply keeps verifying it as accurate without ever actually telling me how.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 reporting or other personal consumer reports

recently checked my credit report and saw accounts reporting that I do not recognize
Product: Mortgage

I was affected by covid and lost my employment. I was not able to pay my mortgage and reached out to the XXXX  for assistance in XX/XX/2022. The XXXX has reached out to XXXX XXXX ( my mortgage holder ) over 6 times via their portal. And XXXX XXXX has refused to respond. When I call XXXX XXXX they keep hanging up on me or when I am able to get someone they say they are trying to collect a debt when I ask about anyone reaching out to them they say they don't see it in the system and the XXXX person that works those cases in the portal has not received it. I am trying to keep my home I have nowhere to go with my children that is safe and that I can afford. I have a great job now that pays me well. I can more than afford my mortgage. But it is like they are trying to take my home. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agency XXXX and Equifax to verify the account XXXX which I did not benefit or authorize nor do I have any benefit from to verify these accounts and they failed to dos.Iaskedthe original creditors and credit reporting agency. Therefore I am formally making this compliant against them because my rights per FCRA were violated and the credit reporting agencies sill reporting this fudulent account.
Product: Debt collection

I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away.
Product: Credit reporting or other personal consumer reports

XXXX 1 ) Since XXXX of XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX and released in XXXX of XXXX. 2 ) On XX/XX/XXXX, an XXXX XXXX account ending XXXX was open while XXXX XXXX was XXXX XXXX. This is Identity theft which XXXX XXXX demanded this account to be deleted on XX/XX/XXXX. 3 ) On XX/XX/XXXX, an Apple Card by Goldman Sachs was opened one month after https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Page 1 of 5 Complaint Detail XX/XX/XXXX, XXXX XXXX XXXX XXXX was released from a XXXX XXXX XXXX. XXXX XXXX CHALLENGES and demand this account to be deleted because its not possible to get approved without any credit history after 17 years and its evident this is part of the identity theft claim that was filed on XX/XX/XXXX. 4 ) On XX/XX/XXXX, a XXXX XXXX charge card was opened in the same year XXXX XXXX was released from prison, and this is evident that identity theft occurred because how would an individual after serving 17 years establish enough credit in 3 months to be approved for a {$15000.00} credit limit. This account was also challenged for identity theft, and we demand this account to be deleted. 5 ) On XX/XX/XXXX, two XXXX XXXX XXXX XXXX accounts were reported to be opened under Identity theft in which account ending XXXX was deleted and account ending XXXX was not deleted and this account was opened on XX/XX/XXXX, and account XXXX was opened in XXXX. This account was part of the identity theft data breach, and we demand that this account be deleted. 6 ) On XX/XX/XXXX, a XXXX XXXX XXXX account was opened and was unauthorized by XXXX XXXX and this is another Goldman Sach account which is inaccurate, and we demand that this account be deleted. 

Company 's Response We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number If you have any additional questions, you may call XXXX ( XXXX ) or you may visit equifax.com/personal/credit-report-services.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX 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! 


Update the late payments from my consumer reports