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

I am submitting this complaint against TranSunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2025, I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TranSunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

XX/XX/2014 I received several letters stating that a debt I had with Citi bank went to collections. I have no accounts with Citibank so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called Citi bank which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not helping me getting back up. 
i contacted paypal company but I wasn't able to talk to the person directly and reach a message to them but they wasn't seem helpful about the issue. I wasn't able to withdraw my money {$200.00} on my balance because they permanently limit my account with all of a sudden, i didn't find my account suspicious i explained to them that i travel on our province urgently because of my family member is sick and a cause of changing if my I.P address info of my account. they didn't demand documents or any file to resolve the issue of my account and just said i can't no longer use my PayPal account. But, I urgently needed my Money for my parent 's medical expenses. 
i feel they aren't doing their job and affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Mortgage

I recieved a letter from XXXX XXXX  on XX/XX/XXXX stating my mortgage loan would be transferred from Stearns lending LLC to XXXX XXXX  effective XX/XX/XXXX. In this notice of servicing transfer, it stated Stearns lending LLC would stop accepting payment recieved from me after XX/XX/XXXX. Those are the words used verbatim. I recieved another letter from Stearns lending LLC on XX/XX/XXXX stating The notice of loan transfer it states verbatim : the servicing of your mortgage loan is being transferred, effective XX/XX/XXXX. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Stearns lending LLC c/o XXXX XXXX XXXX is now collecting your payments. Stearns lending LLC c/o XXXX XXXX will stop accepting payments recieved from you after XX/XX/XXXX. XXXX XXXX   mortgage will collect your payments going forward. Your new servicer will start accepting payments recieved from you on XX/XX/XXXX. Send all payments due on or after XX/XX/XXXX to XXXX XXXX XXXX  XXXX at this address ( then they gave me the info for XXXX XXXX  ). I then set up automatic payments to start for XXXX XXXX  on XX/XX/XXXX on their website. I looked at my bank account on XX/XX/XXXX to make sure the new payment went through smoothly to see a negative balance because Stearns LLC STILL took my mortgage payment out. So, now I had paid my mortgage payment not only to XXXX XXXX ( new servicer ) but the payment had also been made to Stearns as well without my permission. I tried calling Stearns on XXXX and someone told me they were taking care of it and they would overnight me a check. That never happened. I proceeded to call both companies numerous times daily for weeks trying to figure out where my money was and neither company knows where it is. Stearns stated on XXXX over the phone that my loan was actually tranferred on XX/XX/XXXX and that the funds were sent over but XXXX XXXX  states those funds ( the mortgage payment made on XXXX to Stearns ) was never recieved and that it could take up to 30 days from the transfer to see those funds. Another person stated from Stearns that the money was in a suspended area of the account and that they dont know where the money is now. I am currently on maternity leave and I do not have the money to be able to pay my mortgage this coming month now because Stearns took this money from me and refuses to give it back. I filed fraud for the payment at my bank a week ago but still have not recieved any information as to where this money is or how to get it back. I am out of options and need help.
Product: Debt collection

I was contacted at XXXX XX/XX/2023 from Penn Credit Corporation by XXXX who would not provide me her last name nor any contact information. She notified me that there was a debt collection agency trying to contact to collect a debt and asked me to verify my full name and give her my address. I refused to do both and asked who was trying to collect the money and how much money was to be collected. She refused to provide me with that information until I gave her my personal information first. I attempted to collect more information from her but she refused any further attempts to gain her contact information or the exact debt amount or debt collector I should be working with. I asked her to remove me from her calling list since I'm registered with the national do not call registry. She hung up on me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payments XXXX  Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX  account ( # XXXX ) on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on Equifax and XX/XX/XXXX ( 30 days late ) on both XXXX and XXXX. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
Account Details : Account Number : XXXX Account Type : Installment ( Secured Loan ) Account Status : Closed ( XXXX XXXX, Paid ( XXXX and Equifax XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX High Credit : {$530.00} Balance : {$0.00} Last Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax XXXX Date of Last Payment : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax XXXX Disputed Information : Equifax XXXX Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
XXXX : Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
XXXX : Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ).

Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency.

If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report. 
Reference to XXXX ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account.

Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX Account # 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
Product: Checking or savings account

XXXX XXXX XXXX engaged XXXX XXXX XXXX or XXXX XXXX XXXX in XX/XX/XXXX for managing and producing their XXXX annual expo in XXXX XXXX, FL. Throughout XXXX, substantial funds were provided to ensure the event 's success. However, the agency neglected to disclose their relocation outside Florida. XXXX XXXX XXXX, the co-owner, declined to furnish invoices detailing fund allocation when queried. A week before the scheduled event XX/XX/XXXX, the agency vanished, reappearing briefly just before XXXX XXXX XXXX announced the event 's postponement. Three days before the rescheduled date ( XX/XX/XXXX ), the contracted company canceled, breaching their obligations. Attempts to recover funds from Bank of America yielded partial notices, stating their inability to recover the funds and advising contact with the company. Despite XXXX XXXX XXXXXXXX XXXX attempts to resolve matters, no resolution was achieved. Complaints were filed with the FBI, FTC, and local authorities. The next steps include seeking legal counsel and pursuing a civil lawsuit against both the agency and Bank of America. 

XXXX Claim References : XXXX XXXX XXXX DEBIT Claim Reference : XXXX
Product: Debt collection

Apple Recovery continues to call our number, trying to collect a debt that is not ours for a person we have never heard of. Their initial response to our complaint was to ask us to call a non-toll free number to remove our telephone number, and that they do not have a record of our SSN. They should have been provided with our phone number already and should have no trouble removing it, but they have not.
Product: Debt collection

I contacted Discover at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to XXXX and associates in XXXX, MA to handle. I received an email from Discover that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to Experian proving my case with documentation and they responded back saying it was verified. Also Experian and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.
Product: Credit card

Hello my name is XXXX XXXX XXXX, and Im making a report because I have become aware my father XXXX XXXX XXXX, has opened a credit card account without me knowing or having knowledge of the account. 

I became aware of the account XX/XX/2023. He spent {$2200.00} of the XXXX limit. 

Chase has closed the account, but I just want to make sure it wont affect my credit.
Product: Mortgage

On XX/XX/XXXX I purchased a second home and financed it with a mortgage originated and services by JPMorgan Chase Bank ( loan number XXXX ). The home is located in Hawaii and is rented out by me or my on-island property manager when not being used by my family. My rate was 3.75 % for a 30 year fixed conventional mortgage. All payments have been made in a timely basis and I am in compliance with all requirements. 

In late XXXX I began a refinancing process with JPMorgan Chase and was quoted a rate of 2.875 % by my Chase broker XXXX XXXX ( XXXX ). All documentation was uploaded within 24-28 hours of request. The process was moving very slowly and was told Chase was backed up on refinancings. I expected to close in XXXX and that did not happen. When I inquired I was told they were waiting for condo documents. My property is part of a condo association. I repeatedly asked for updates through the month. In late XXXX I was told that the underwriter believed my property did not qualify for refinancing due to the way the property was classified. On XX/XX/XXXX I received a notice of decline. The report says the decision was made based on my credit which for the record is over XXXX with ample liquid assets. My broker told me the underwriter viewed my property as a condo-tel. It is not and I explained that. It is on a resort property in Hawaii but the condo association is independent and there is no requirement ( or option ) to rent my unit out in a rental pool at the resort. I maintain my own property manager who markets it on my behalf and if I chose not to rent it that is my choice. 

By late XXXX the underlying rates in the market increased about 100 basis points from where my rate was locked. I believe Chase, in an attempt to not honor my rate, declined my refinancing for invalid reasons. I tried appealing to no avail. What I find unusual is that Chase still owns my original loan, which 14 months old. There were no changes in our condo association rules or designations and my assets and credit remain at or better than they were a year ago. 

I was hoping someone could inquire as I believe they used unfair lending practices to avoid honoring their rate commitment to me. 

Here is my advisors contact information XXXX XXXX Home Lending Advisor NMLS # : XXXX XXXX Office XXXX XXXX ) XXXX I may be contacted at XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ive viewed my credit consumer report and notice theirs alot of unrecognizable inquires that has been placed on my consumer file, XXXX on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) 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 which it relates. 
I XXXX XXXXXXXX XXXX never gave______________________________any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter.

and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Product: Mortgage

I applied for assistance in saving my home from foreclosure. My servicer Nationstar Mortgage denied me for assistance on XXXX XXXX, 2015 and again on XXXX XXXX, 2015. Both times my attorney requested from Nationstar Mortgage my denial letter and the mandated NPV chart that goes with it. Nationstar has withheld the NPV chart and refuses to send it to me. My attorney states since I was denied for the Making Home Affordable Program ( HAMP Tier 2 ) and I was told I was denied due to NPV the servicer is required by law to give me a copy of the NPV chart. I believe I qualify as Nationstar has said my new payment could not be reduced by the amount required by the program. My attorney states this is not correct and Nationstar must be using incorrect figures. I feel as if Nationstar is purposely evading giving me this information solely to try and evade and block me from assistance I know I qualify for. They also are not sending me the denial letters until almost 30 days after I am denied. My attorney has to demand the denial letter just to get any copy of it and they basically try to keep it so I can not appeal the denial. My last loan modification request was denied on XXXX XXXX, 2015. Nationstar withheld the denial letter until XXXX XXXX, 2015 and they still have not given me the NPV chart. Tomorrow is XXXX XXXX, 2015 and even if they now give it to me they have achieved with holding it from me for the 30 day appeal period and now I can not appeal because they with held the information from me to be able to appeal. I think this is very disturbing and I may lose my home over their illegal actions.
Product: Credit reporting

I am a XXXX and use an electronic medical record ( EMR ) to prescribe medications. In order to prescribe electronically, our EMR verifies our identity through experian. I also have change my name ( I got XXXX ), and moved twice in the past two months.My name is complicated because I go by my first and middle names ( XXXX XXXX ). My legal name is First : XXXX Middle : XXXX XXXX Last : XXXX. I have changed all the proper information including ; my social security card, my prescribing licenses, my bank accounts, and student loans. I have not been able to get through to Experian. There is no human on the phone line only automated responses, none of which help me with my problem. I contacted XXXX successfully, and XXXX which reluctantly gave me a credit report. I have my credit report in front of me while filling out the verification for the EMR, however I am denied each time. I have contacted the EMR directly who insists that it is a problem with the credit bureaus. Whoever is to blame I have had an awful experience with Experian. I can not get through to anyone to ensure my name is correct. The other credit bureaus recommend me contacting all my creditors to change my name ( which I have ).
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXXXXXX ALL 3 ACCOUNTS 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, states a consumer reporting agency can not furnish an account without 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, other than records of conviction and crimes which antedates the report by 7 years.

According to 15 U.S.C 1681 S-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

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX  XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.
Product: Debt collection

FRANKLIN COLLECTION SERVICE report a debt of {$970.00} from XXXX. Debt has been removed from my credit report multiple times from different collection agencies but re-opened with agencies for years. FRANKLIN COLLECTION SERVICE has now opened the account again but refuses to close it.
Product: Consumer Loan

My account is delinquent, and I receive frequent calls with no message left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to EQUIFAX. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous time

s. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

These late payments do not correspond with my typical payment history.