23daVinci/CFPB_Complaints huggingface dataset:
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, XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>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 generallf, 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, credit repair services, or other personal consumer reports

In XXXX of last year an account was opened in my name for a credit card with a limit of over XXXX  USD and was maxed out instantly using incorrect personal information. When i contacted the credit company they had incorrect phone number and address on file for this fraudulent account proving it was made by someone else. This was 100 % fraud. Late payments started showing up on my credit report damaging my score. The account was closed and then reopened when i attempted to rectify the issue with the credit company. I have tried several times to receive help from the company but they have done everything to ignore my issue and continue to claim the account is mine while sending late payment notices every month. I hired a credit repair company to investigate the matter but were only able to remove one item from my credit report. They were able to prove the account is fraud but for some reason they couldn't get the major credit companies to go further into removing more than the one item from my credit report.
Product: Credit reporting or other personal consumer reports

For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to XXXX and Equifax, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a Trust entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXX XXXX XXXX Washington Case No. XXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from pacer.gov XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, DMV, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Equifax, and XXXX XXXX  with no successful resolution. Equifax only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a place to live and XXXX XXXX with Transunion continues to decline my application. When I call them I am asked Verification questions and they always claim I failed. I was told if I fail again I will have to wait another 30 days. I don't know what to do and begging for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the negative information listed on my credit report. The following items are incorrect and require your immediate attention : Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information - XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

XXXX XXXX - Account Number : XXXX - I have never paid this account late. Your reporting is completely inaccurate and it is negatively affecting my credit. Please update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXXXXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX  - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

I request that you investigate and correct these inaccuracies as soon as possible. Please send me a written confirmation of the actions you take in response to this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Macys XXXX  XXXX. i signed up for paperless billing. their bills went to my spam. they made it very difficult to pay your bill. i checked it monthly just in case and paid my bill. i didnt know i owed them. ive never missed a lyme this in 20 years of being an XXXX  customer. i lost the card. if you dont know your account number youre cant get a new password. if you call, you sit in hold for an hour. finally i paid my balance in full. but they of course ruined my credit for punishment. this is the very reason consumers need protection against predatory cc companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information to try to open up fraudulent accounts without my knowledge or permission. Please see below : 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 XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with Equifax XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the kikoff app and signed up for their service to be rejected which is fine but now I am " signed up '' with the service and have no way of contacting the staff to cancel. Neither the website nor the app have a link for help or contact, only FAQs which attempt to divert the customer 's attention. I believe this is intentional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the public record listed below ( and attached ) be deleted from my TransUnion credit report because it does not meet the XX/XX/XXXX XXXX  requirements ( PII ) in the Enhanced Public Records Standards. For a public record to remain on a credit report it must have the mandatory information of Name, Address, Date of Birth and/or Social Security Number. This tax lien doesnt include either a DOB or a full SSN ( only 4 digits are provided ). I filed a dispute directly with TransUnion but they didnt seem to be aware of the enhanced public record requirements so it remains on my credit report even though it does not belong to me. As a result, I respectfully request that the CFPB inform TransUnion that this public record needs to be removed from my credit report. 
Federal Tax Lien Account # : XXXX Date Filed:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently requested and viewed my consumer credit report and disputed XXXX items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission. It is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION NPI. XXXX XXXX XXXX or XXXX XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants TransUnion or XXXX XXXX XXXX or XXXX XXXX lawful authority to share NON-PUBLIC PERSONAL INFORMATION with third party entities. If TransUnion can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, TransUnion must Delete account immediately.
Product: Prepaid card

Back in XXXX, I was given an AMEX e-gift card from my employer. I was able to use part of the balance before every single retailer denied the card. Online and in store retailers all denied the card, including big box stores like XXXX, XXXX, online at XXXX, grocery stores, XXXX XXXX, everything. I called AmEx customer service 6 different times. They all said to keep trying retailers until someone accepted the card, but that it was active and available to use. A supervisor told me the exact same thing. I can not use it anywhere.
Product: Prepaid card

On XX/XX/XXXX, I received a card with my name information address and a debit card requesting to be activated that I never requested, and I never asked to be open along with it being linked to a bank account with a routing number that I did not ask for when I emailed to close it. I did not get a response when I attempted to call. I did not get a hold of any single person and I was not allowed to close it. There was no agent to take my call. Everything was automated, and it only allowed for me to activate the card and not to close it.
Product: Credit card

Yes you guys left me a voicemail on XX/XX/year> and told me to call back and when i did called back for the card ending in XXXX nobody seem to know what's going on. i been on the phone about an hour and i have been transfer to different department and this is a waste of my time. what is the deal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert on my monitoring that a new collection is reporting with XXXX XXXX XXXX. I have no idea what this is and if it was to have opened in 2016 why is it just now reporting?
Product: Debt collection

I have contacted the debt collector to receive information from charged off account, the Account History Information and any signed contract between myself and the debt collector. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have XXXX issues. I had a credit card with XXXX XXXX XXXX XXXX. My credit card was canceled without warning because I was a little over XXXX  days late on a separate loan. These are XXXX separate accounts, I feel that that excuse to cancel my credit card isn't valid. 
XXXX. After that credit card was canceled I was late making a payment of {$40.00} to pay off that card and XXXX  dinged my FICO score by almost 50 points for a missed {$40.00} payment. This seems really excessive. My score only increases by a few points for on time payments. Please help me to understand if this correct practices or not.
Product: Credit reporting or other personal consumer reports

am filing this formal complaint against TransUnion for its failure to maintain accurate credit reporting and for falsely disputing my credit file, which has resulted in the wrongful closure of two of my XXXX XXXX credit card accounts and ongoing issues with reinstating my XXXX XXXX XXXX credit cards. 

Details of the Issue On XX/XX/year>, I became aware that TransUnion, along with the other credit bureaus, initiated disputes on my credit file without my consent. kEEP IN MIND i WAS DISPUSTING THEIR WRONG DATE OF PAYEMNTS, COMPLETELY BLANK SECTIONS This unauthorized action led to the wrongful closure of two XXXX XXXX accounts. 
Despite numerous complaints filed with the CFPB, FTC, and Texas Attorney Generals Consumer Protection Division, my credit report remains inaccurate, and my accounts have not been reinstated. 
On XX/XX/year>, TransUnion sent an XXXX transmission to XXXX XXXX falsely stating that I had reported my XXXX XXXX  credit cards as fraudulent per XXXX XXXX XXXX  which is incorrect and a violation of the Fair Credit Reporting Act ( FCRA ). I have never claimed my accounts were fraudulentonly that the reported information is inaccurate. 
I have provided all requested documentation multiple times, including my drivers license and utility bills, yet XXXX XXXX continues to request these documents without resolution. 
As of today, XX/XX/year>, XXXX XXXX XXXX XXXX  cards also remain closed, and it will be nearly a month on XX/XX/year>, since I first addressed this issue. 
Requested Resolution Immediate correction of my credit report to remove the false dispute initiated by TransUnion. 
Reinstatement of my XXXXXXXX XXXX XXXX XXXX XXXX credit card accounts without further delay. 
A formal investigation into TransUnion 's practices regarding unauthorized disputes and false reporting. 
Accountability for TransUnion 's actions, including any penalties for violating FCRA regulations. 
I demand a resolution to this matter immediately, as TransUnion 's actions have caused undue financial harm, stress, and damage to my credit standing. If this issue is not resolved promptly, I will explore further legal options. 

Please acknowledge receipt of this complaint and provide a written response detailing the steps that will be taken to correct this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute date account open for XXXX XXXX XXXX. The date account open is incorrect for XXXX XXXX XXXX account on my credit report. I am requesting that this XXXX XXXX XXXX account is deleted off my credit report.
Product: Mortgage

360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified.
Product: Debt collection

I entered into a 15 year lease for solar panels in XXXX with a company that is now bankrupt, XXXX. The lease specifies monthly payments that escalate by approximately 3 % per year. The entity collecting the payments has changed several times since then, and all the servicers abided by the original contract except the most recent one, XXXX XXXX Experts which also does business as Spruce. In XX/XX/XXXX, they started billing me for the monthly amount due in XXXX instead of the contracted amount for the current year. Because this was set up as a direct debit from a checking account, I also contacted my bank on multiple occasions and they helped me receive refunds for the incorrect amounts. When the wrong amount continued to be debited, the bank blocked Spruce 's account number after reading my original contract with XXXX and agreeing that Spruce was not abiding by the contact terms. The very next month, Spruce attempted to circumvent that block by putting through a debit under a different name, which was caught by my bank and not paid. At that point, the bank advised that the only way to stop the debits was to close the account, which I did, at considerable inconvenience. I started paying with paper checks from that point forward. Subsequent invoices from Spruce started showing seemingly random, wildly high amounts. After numerous unsuccessful attempts to contact them, I lodged a complaint with the Maryland Office of the Attorney General who sent them the attached letter. Spruce completely ignored the correspondence, and I was advised by my representative at Maryland XXXX that there was nothing more they could do to assist. Today, I continue to pay the correct amounts per the original contract by paper check and continue to receive invoices for amounts that appear to have been plucked out of thin air. I went online to see if others had similar experiences with this company and came across their XXXX  ranking of XXXX Anything you can do to assist me in getting the attention of this rogue company and getting them to honor their contracts is most appreciated.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 in those account 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 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