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

My name is XXXX XXXX, I am federally protected consumer. I reached out to TransUnion in XX/XX/2022 to dispute inaccuracies and erroneous information via XXXX on my credit report with their company. In response, TransUnion sent me via XXXX 3 months later on XX/XX/2022 report number XXXX stating that the inaccurate information and incorrect information was VERIFIED AS ACCURATE. I immediately responded via usps requesting all documentary evidence substantiated to conclude and verify as accurate which I am well in my right. I have received nothing.
Product: Checking or savings account

Account was closed with no information on why it got closed, the address on my account is old and i wasnt able to update my address due to credit karma not accepting my documents, the rep said the address can be updated so i did so and my info was not updated by time the account was fully closed. Its XX/XX/XXXX and I still dont have my money that was in my account th account has been locked from since XX/XX/XXXX and i still dont have access to my money, the account has been closed and im unable to see what the extact amount is but it is around XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS ARE IN VIOLATION OF THE LAW. I NEVER RECEIVED ANY STATEMENTS FOR THE FOLLOWING ACCOUNTS WHICH IS IN VIOLATION OF US CODE 1666 ( A ) A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. UNDER 15 USC 1681 ( A ) 4, A CONSUMER AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS AND RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. XXXX XXXX XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX  - XXXX - STATUS PAID AND CLOSED XXXX XXXX XXXX XXXX - CHARGED OFF - STATUS PAID AND CLOSED XXXX XXXX BANKRUPTCY DISMISSED - REFERENCE NUMBER XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections in my account that are not mine the companies reporting it are not licensed in California. The addresses and phone numbers for the companies are invalid I have disputed the information and Experian states it is verifiable and accurate but it is not accurate there is no way to verify. And they never told me how it was verified
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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

The investigation for XXXX XXXX XXXX Original Creditor : TRADITIONS )/ XXXX Is indeed a violation pursuant to section 623 of the FCRA,
Product: Debt collection

This collection agency will not remove wrong information they put on credit report, I have sent XXXX letters asking them to validate or remove the debt and I got no response!
Product: Debt collection

I received a notification from  Alliance One Receivables Management Inc   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  stating that I owed a debt in the amount of {$1000.00}. I checked my credit report and saw that this company checked my credit for a  Installment   Loan  on  XXXX   XXXX ,   XXXX  . I never applied for a loan and was n't sure why this inquiry happened. So I called the number located in the in the inquiry to ask about the false information and the representative explained to me that her collection company did not check my credit report for credit worthiness. I explained to the representative that her collection company 's address and phone number was the same on my credit report. The representative continued to deny that their company made the inquiry and that   XXXX   XXXX   XXXX   made the inquiry. The representative continued to deny they did this and I explained to her that " collection agencies dont make inquiries that collect debts. Only if I apply for credit will a potential creditor will check my credit. '' I explained to her that this inquiry will affect my credit for the ne xt two  years and why did they do this. The representative continued to deny their company took this action so I hung up and filed this report. Im looking to have this erroneous and false information about me applying for an  Installment Loan  removed from all  XXXX  credit bureaus.
Product: Credit reporting or other personal consumer reports

DEAR EXPERIAN, PLEASE TO ADD MY ADDRESS BACK TO MY CREDIT REPORT THAT IM ABLE TO SEE MY DAILY REFRESHED REPORT AND SCORE ; XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

Our foreclosure was with Wells Fargo. We were doing a loan modification because I had lost my job XX/XX/XXXX. They sent me a packet of paperwork which I filled out and returned. On XX/XX/XXXX they sold our house at auction without telling us, stating they had not received one paper from the packet. I dont know why they wouldnt have told us they were missing a paper, which I find impossible to believe because I filled everything out and returned it. They acknowledged error and their lawyer and they were willing to reinstate our loan but the crooked realtor who bought it at auction was not willing. So we lost our home two weeks before XXXX because they are unethical. Our loan number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries From Unknown Sources
Product: Mortgage

XXXX, approx XXXX XXXX, I called my mortgage servicer, Freedom Mortgage, regarding starting a mortgage forbearance program based on COVID-19. I spoke with a representative, XXXX, who told me to I needed to apply for the program using an application provided on their website. That application can be found by following this link. 

XXXX : XXXX I told XXXX that I didn't want to fill out that application since it states that I would be obligated to repay all forbode payments plus the current mortgage payment all at once at the end of the forbearance period. 

I made clear that I'd like to start a mortgage forbearance program outlined in the XXXX XXXX  Lender Letter ( XXXX ), with all forbode payments being tacked to the end of my mortgage. 

I was told repeatedly that ' they're not able to change the terms of the loan ' and 'deferring those payments to the end would be changing the terms '. I was ultimately offered a multi-staged forbearance program that at its maximum would result in a 12-month forbearance with all forbode payments to be paid in full at the end of the forbearance period. 

I asked to speak with a supervisor and would not accept the terms she described. I was placed on hold, but soon XXXX came back on the line to tell me there was no supervisor available at the moment. I requested to stay on hold, but she wouldn't allow it. She said her supervisor would call me back within 24-48 hours. She also suggested I call back in an hour to speak with a different supervisor. I again asked to be placed on hold to speak with a different supervisor and was told I could not hold. 

I'm a single mother of two. I am the sole breadwinner. This virus has put an incredible strain on my household finances and without help, I will most likely face serious default or foreclosure. The plan Freedom Mortgage has proposed would leave me financially devastated. 
I've worked hard to purchase the home I've owned since XXXX and am finding the lack of solutions offered to Freedom Mortgage customers unacceptable. The following excerpt was pulled directly from the Freedom Mortgage " COVID-19 Frequently Asked Questions '' link to page : https : XXXX 'What is forbearance? 
Forbearance is a temporary suspension of your mortgage payments, allowing you to remain in your home while working through your short-term financial challenges. We will suspend your payments for up to 180 days. Once that time period has expired, we will work with you to reevaluate your situation to determine whether your forbearance can be continued. At the conclusion of the forbearance period, all of your deferred payments must be repaid. The Consumer Financial Protection Bureau ( CFPB ) has a useful video that explains forbearance as it relates to the Federal CARES Act. '
Product: Consumer Loan

This is a follow up to a previous complaint against Ally Bank. I had taken out a car loan on a XXXX Cadillac Escalade through GMAC, at some pint to loan was assumed by Ally Bank. The loan was paid in full and I received clear title from GMAC. Ally claimed that I still owed them over {$4000.00} and made negative reports to the credit bureaus. After my last complaint, they sent me a letter stating they would remove all negative reports ( see attached letter ). They also generated a XXXX stating I need to claim the " write-off '' on my XXXX taxes. I do not. They are still showing on my credit as " derogatory ''.
Product: Credit reporting or other personal consumer reports

My account 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 XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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
Product: Checking or savings account

We wrote a check for our rent to an LLC for {$6100.00}. Someone got a hold of the check and added payable to an individual name on the check ( LLC name or Individual name ). Wells Fargo Bank in XXXX XXXX California cashed the check on XX/XX/2022. We were told it takes 120 days for us to get our money back. It is now five and a half months later and we still have not received our money. Every time we call the claim representative says we are still waiting for the branch to return the funds. Wells Fargo should not have allowed a check that shows two names payable to and LLC name or Individual 's name clear the account. The history on our account shows the checks were always written to the LLC. 

Claim # XXXX Complaint # XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.I am filing a complaint against Equifax for failing to properly investigaie 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 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 unable to unfreeze my credit with Equifax. I have called numerous times and have been lied to about having my report unfrozen. Please unfreeze my credit report. In addition, I have not had access to my equifax account in over two years because equifax will not update my phone number and e-mail.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - XX/XX/year> - {$3000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance  {$4800.00}
Product: Credit card or prepaid card

Starting XX/XX/XXXX ( new employment ) Netspend mailed unauthorized card to XXXX XXXX XXXX XXXX, NC : this was not a card with appropriate funds as account. New card was mailed to same home address but unknown last name, was not activated. 
XXXX, new employer & email was reported to CRA. Very close to actual employer, yet falsified. Email & activation were never attempted or known by me. 
XXXX was then purchased for 1 year. 
Email account used XXXX XX/XX/XXXX ) blocked & unsubscribed from Netspend. 
New emails were received as spam in new education email address now in XXXX. 
New card to activate, in my name was mailed to my address XXXX XXXX XXXX XXXX, XXXX, NC : this was not purchased, not knowingly contacted by Netspend other than activation email, not known if funds are finally available or past issue is resolved. 
Card currently in dispute : XXXX Account currently in dispute : XXXX XXXX : XXXX Acct : XXXX
Product: Credit card

I paid {$50.00} prior to the due date of XX/XX/. After paying online, Capital One confirmed the payment. A few days later, Capital One informed me when I called that my payment did not go through. Capital One never informed on their own that the payment wasnt received. My objection is that Capital One charged me a late fee and reported my payment late. It has affected my credit score. I have never been late.
Product: Vehicle loan or lease

Leasing a Truck on XX/XX/2024, XXXX  referred us to their XXXX XXXX XXXX XXXX XXXX to finance through. We started the payment on XX/XX/2024 down payment was 30 % of the truck price ( {$42000.00} ) monthly payments started on XX/XX/2024. During that time the truck had been Repoed by Volvo, Claiming that XXXX XXXX had been bankrupt. They Transferred the finance to Volvo and we comply with that but they refuse to give me back my money or my truck. None of the companies are willing to give me a solution to fix this while my business is suffering. When calling the DMV, the DMV claimed that XXXX did not transfer the title to my business. still investigating and have yet to receive any response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12usc 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( file No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the Federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX - Present. Experian stated that according to there report summary they only verified XXXX, XXXX and XX/XX/XXXX. But According to the Report summary on XX/XX/XXXX Report Number XXXX the XXXX  XXXX XXXX account was Unverified and was Deleted. Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Product: Credit reporting or other personal consumer reports

The first notification was through my bank alert and right after a XXXX XXXX alert on XX/XX/24. I contacted my bank and told them I was notified of 2 hard inquiry pulls that I never authorized. Once, I spoke to my bank they told me to get in contact with the credit bureaus to notify them of the ongoing situation. I was the advised by all 3 bureaus to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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