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

Ive summated several documents to this company letting them know that the information is wrong and I did not give anyone permission to use my information nor did I give TransUnion Written consent or permission to furnish any of that info on my credit report. 

Nor have transunion or XXXX even Marked the response of my dispute in there system, its like it never happened and only when I call, and when I talk to customer service Transunion tell me they not doing anything about my dispute because they believe it was sent through a 3 party witch I didn't and ive told them that and have repeatedly sent several documents with ID, Proof of address and even sent in a FTC report. still no help its been months Ive talk to supervisor at XXXX let him know that ive called sent letters and he and have been trying to get these inquiries off for over an year and he Immediately apologize and said that the situation will be fixed immediately and I had nothing to worry about its been over an months since that conversation and still no avail.
Product: Debt collection

I tried canceling health club membership and would not allow me only in person but I had no way of going due to circumstances. I cancelled my card payment since I was not using the membership but they kept emailing me saying I owed {$210.00} when I had not been using it at all and only had the membership for XXXX months. After that they sent me emails and phone calls trying to get me to pay eventually I got a collection account from Aldous and Associates {$210.00} collection on my credit report.
Product: Mortgage

My mortgage was transferred to Carrington XXXX and they are charging me for a " loan modification. '' I'm not sure what they are trying to charge me for, there is no description of this change and I can not reach anyone at their office. All phone numbers are invalid.
Product: Credit reporting or other personal consumer reports

Sent dispute letters and validation notices to creditor which based on fair credit and reporting act they must respond within 30 days or delete all items from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a claim against TransUnion, and recived an email saying they responded, but there is nothing, not even a notice that I submitted a complaint
Product: Credit reporting or other personal consumer reports

By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion. 
Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion. 
Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Transunion. 
Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. 
Creditor Name : XXXX, Date of XXXX, TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX account ending in XXXX was not being reported by TransUnion, but was being reported on my wife 's credit report. After pointing out this discrepancy to TransUnion, they responded by deleting the account from my wife 's credit report. I submitted a complaint to CFPB on XX/XX/XXXX regarding my credit report ( complaint # XXXX ), and TransUnion resolved the issue on XX/XX/XXXX by adding back the XXXX  XXXX XXXX account ending in XXXX to my credit report. 

Based on my wife 's TransUnion credit report dated XX/XX/XXXX, the XXXX XXXX XXXX account ending in XXXX is still not being reported on her credit report even though she is an authorized user of the account. XXXX XXXX XXXX is reporting the account ( based on my TransUnion credit report dated XX/XX/XXXX ), so TransUnion should reinstate the XXXX XXXX XXXX account ending in XXXX to my wife 's credit report. 

If you need any further information, please let me know. Thank you for your help with this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX-XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX  # XXXX OPENED XX/XX/XXXX Account Name : XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 XX/XX/XXXX and XX/XX/XXXX 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 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

Account # XXXX is in violation of multiple regulations. Firstly, under 15 USC 1681a, it fails to provide accurate consumer information. Additionally, by not adhering to 16 CFR 313, the account neglects required procedures for opting out of information sharing. Moreover, the absence of clear consent breaches 15 USC 6802 and 15 USC 6803, violating privacy and consent standards. Furthermore, non-compliance with 15 USC 1681b is noted, indicating failure to uphold permissible purpose requirements. The account also runs afoul of IRS Pub 4681 and 5 USC 5528 by not reporting discharged debt as income, violating tax and disclosure obligations. These violations include the illegal reporting of transactions and sharing consumer non-public information with non-affiliates. Immediate corrective action is necessary to rectify these breaches.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2023 someone contacted me through text message pretending to be the XXXX  I was going through to get my XXXX XXXX XXXX XXXX  and told me I could send some of the money through cash app so I sent {$320.00} to their cashapp then noticed the night before I tried to send a friend {$25.00} and it wasn't sent to her it went to the same one the got the {$320.00}. I went in to the XXXX  office after waiting at the XXXX  for them for 3hours and showed them the messages and everything and they told me it wasn't them and they couldn't help me. I went into my cash app and tried to cancel and it wouldn't let me do I contacted cash app and reported the scam told them I had copies of the message and they said there's nothing they can do but they advice me to request the money back and I told them I tried that but it says I'm unable to request it and they told me still there's nothing they can do and ended the chat. When I spoke to them on the phone they told me the same that they couldn't do anything and hung up on me.
Product: Credit card or prepaid card

Complaint Against Lender : CAPITAL ONE BANK USA XXXX On XX/XX/2020, a total of ( 2 ) payments were set up and scheduled for automatic payments through the mobile app to reflect towards both MasterCard accounts with Capital One. 


XX/XX/2020, After attempting to make a purchase using one of the cards, I notice that the balance did not include my previously scheduled payments, so I reached out to Capital One. At this moment I was informed that the payments were missed and I had a past due balance on both accounts. I informed them that the accounts were scheduled and set up for automatic payments in XXXX. After an account review, the representative informed me that there may have been an issue with the app version and offered a credit for the late fees and a payment option. 

Upon accepting this option I asked that the payments be updated to credit bureaus and they assured me that it would. After reviewing the account I see that it was only reported as an improved account. 

I reached out to the Bank on XX/XX/XXXX and asked that changes be made. The agent said that because of the time frame, I should further dispute it through another department.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX - XXXX {$1400.00} XXXX XXXX XXXX  - XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX - {$1500.00} XXXX - XXXX XXXX XXXX  - XXXX {$4400.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX {$9100.00} Accounts : XXXX  - XXXX {$1400.00} XXXX - XXXX XXXX  - XXXX XXXX  - XXXX {$1800.00} XXXX  XXXX XXXX {$1400.00} XXXX  - XXXX XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made XXXX car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it XXXX days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. XXXX months later we found out from XXXX and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. XXXX did not so I disputed with XXXX on XXXX. XXXX reported that they verified the information as correct with a third party, LexisNexis. I contacted LexisNexis on XX/XX/XXXX and LexisNexis stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my XXXX credit report, I disputed again with XXXX. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again XXXX claimed they contacted LexisNexis to verify the data and that the information was being reported correctly. I contacted LexisNexis again on XX/XX/XXXX and again they stated that they show the discharge. LexisNexis stated to call XXXX again. 

This is unacceptable. I provided information to XXXX twice showing the discharge and the third party verifies the discharge in their records. XXXX is not meeting their requirements under the FCRA to report a consumer 's information correctly.
Product: Credit card or prepaid card

My XXXX year old just received a solicitation for an account. There is a master card attached with a XXXX digit umber and notification how to open an account on a sticker on the card.
Product: Credit reporting or other personal consumer reports

I am filing this FTC identity theft affidavit to report the fraudulent accounts appearing on my consumer XXXX  credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a collections account opened at AMSHER COLLECTION SERV and AMSHER COLLECTION SE ( Original Creditor XXXX XXXX XXXX on XX/XX/year>. This account has resulted in fraudulent collections and charge offs appearing on my consumer XXXX credit report, and is also reporting inaccurate and incomplete information as well. I demand that the fraudulent item mention be removed from each of my consumer credit reports and that all collections activities related to said items cease pursuant to my rights within the FCRA and FDCPA Laws.
Product: Credit reporting

Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, Navient, account numbers XXXX, dates opened, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Product: Credit card or prepaid card

I applied and was approved for a commercial credit account. I was given a reference number to use for purchases before the card arrived in the mail. At the store, this reference number found my account, but was giving errors and could not be used. Corporate employees did not understand the issue when both myself and in store employees explained the issue. 

Apparently the account had somehow been made half commercial and half consumer and would not function despite all attempts from the in-store employees. 

After XXXX hours at the help desk, we decided to try clearing the entire account and starting a new application. The new application was rejected due to the previous account.
Product: Credit reporting

I had a school loan that I payed on time for 60 months, then the loan had a balloon payment due. The loan was with BB & T bank, when I explained to the management of the bank and several agents who called my home that I was in the middle of a refinance of my home which was also going to include paying off my school loan of XXXX dollars, they agreed to give me a grace period. Only now to find out after I went ahead and payed the loan off with funds that I had secured the loan with originally, they have sent in a derogatory remark saying I was late with the last payment and it has affected my credit score terribly. They also refuse to remove it, even after being told I would be fine going ahead with my refi, and that they would give a grace period because the loan was secured. I have done business with this bank for 14 years and have never been delinquent with any payments and I even presently hold a mortgage with them. I would ask you to please tell them to remove this remove that is effecting my credit score.
Product: Credit card

XXXX closed my credit card account with no explanation as to why. They claimed it was due to past behavior, but they will not reveal the source of this alleged information. I seek to know where this information came from. I also seek to have my {$25.00} returned to me, as they made me close my IRA account and transfer the funds to another broker. If I did n't do that, they would have closed the account, and withheld XXXX % due to tax law - instead of just leaving it in there. 

They want to close the accounts - fine - but they should not charge me money for doing so. Also, I want to know the source of the negative information about my " past bad behavior ''. This source could be in error - but they wo n't tell me what it is or where they got it. I expected better from the CFPB in bringing this information to light.
Product: Mortgage

I have a HELOC with PNC. I also have bank accounts and an investment account. The HELOC is on my primary residence in XXXX. My home was a part time residence as I lived and worked in XXXX  until XXXX XXXX 2017 when I moved to XXXX full-time. I contacted PNC to change my address on all my accounts to my XXXX home. My address was changed no problem on my bank accounts and investment account. I have forwarded my mail to my XXXX home so I got the statement for my HELOC the next month still showing my old address. I called PNC again to change the address. They said it was changed and I would not have any issues. The next month my statement again was sent to my old address and forwarded. I called PNC again and was told they would get it fixed. Within a week I got a letter from PNC saying they would not change my address until I wrote them a letter requesting it and for me to send them documentation ( utilities statements ) showing this was my address. I called and said I am not sending you that change my address and was told no. I opened a formal complaint with PNC and I received a call back from XXXX XXXX ( XXXX ) with executive escalations and she said they would not change my address without the requested documentation. I asked that this be escalated to the CEO 's office as I am not jumping through hoops to change my address. I have never heard from anyone and my statements are still being sent to my old address. At this point its about the principal that PNC is a horrible organization to do business with and I am not doing anything else about my address. Think about the absurdity of this situation. 1st they change my address no problem on my cash money/investment accounts with nothing more than a phone call. They will not change my address on a loan that the collateral is the address I am asking them to send the mail to. They are now sending my mail to an address that could be opened and accessed by an unauthorized person which I mentioned to XXXX XXXX and basically PNC does not care. If I have any fraud committed against me due to the fact that PNC is sending my mail knowledgeably to a old address I will hold them accountable. I tell everyone I know not to do business with PNC and I will not do business with them ever again. They treat customers like trash!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered XXXX by the XXXX according to XXXX XXXX Publication XXXX. XXXX is not to be reported on consumer and credit reports. 
I would also like to point out XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX are in breach of their Fiduciary Duties to me by failing to send me my copy b of form XXXX among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating XXXX XXXX XXXX, it is illegal to report transaction history. 

Furthermore, according to their own SEC filings under XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX # XXXX ) XXXX XXXX ( XXXX file # XXXX ) and XXXX XXXX ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per XXXX XXXX XXXX.
Product: Debt collection

In regarding the fraudulent accounts that USA Funds have tried to collect. The company refuses to provide validation. The company refuse to take in consideration that this debt is not mines and was open fraudulently. They have no original contract, they have no original documents, no documents that states they own the debt or can collect on the debt. I 've found out that the original creditor they claim they 're collecting for, has never heard of me. This company is practicing fraudulent agendas and have no regards for the law.