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

Credit Bureaus " XXXX '' and " EXPERIAN '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) EXPERIAN ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX datedXX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX
Product: Credit card or prepaid card

I have been the victim of unresolved fraud - on XX/XX/XXXX there were 3 unauthorized charges made on my card from Chase. I noticed these charges at night and froze the card since this was my only option at that hour, as the fraud department is not open around the clock. Numerous additional charges were declined and notifications posted to my email after I managed to freeze further transactions on the card. I notified Chase at the earliest opportunity by telephone that 3 charges for {$45.00} to XXXX, {$38.00} to XXXX, and {$0.00} to XXXX were all fraudulent. I have no knowledge of how my card info was compromised. Upon reporting these charges and receiving credit pending investigation, I was satisfied that this situation had been solved, however Chase reversed one of the credits to my account and notified me on XX/XX/XXXX that I would have to pay for the {$45.00} charge as I had allegedly benefited from this transaction. I phoned Chase on XX/XX/XXXX and was told that a user in procession of an account utilizing a XXXX  email address had item ( s ) shipped and delivered to my town, something about gardening supplies. I assume this is what is intended when they say I benefited. Myself nor anybody that I am in contact with ever received any such items. I also do not use XXXX. After disclosing these details, the representative I spoke to became furtive with additional details and referred the case to higher review. I categorically insist that these charges were all fraudulent and unauthorized, and that I should not be held liable, in accordance with the cardholder agreement. All necessary information explaining the fraud was conveyed in the original contact and this should have been solved in the first interaction. Additionally, only as a minor grievance, Chase failed to ever reverse or offer credit for the third fraudulent charge of {$0.00} which I did verbally report as one of three total charges that were fraudulent.
Product: Credit reporting

I have a collection account on my credit report that does not belong to me. I have no contract with XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting updated an error that my mortgage company made and didn't improved the credit score. 
The credit scores need to adjust asap when errors are corrected. Their errors keep me from purchasing a car etc at a good rate. 
Also, the law needs to change about 7 years destroying credit, when debt is paid it needs to improve credit asap or at least a few years not 7!!! 
we have waited a long time, and really don't want credit anymore due to this law. 
we find any other lenders who do not go through credit whenever possible. 

please file a complaint they have lowered my scores when correcting the Mortgage issue instead or raising them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DISPUTING THIS ACCOUNT AND I AM REQUESTING IMMEDIATE REMOVAL OFF THE THREE REPORTING CREDIT BUREAUS. THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE SUBMITTED A RECEIPT TO SHOW PROOF OFF ALL THE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCT # XXXX, has violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 months I have repeatedly contacted both XXXX and Equifax about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan XXXX showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.
Product: Debt or credit management

I was given a speech over the phone that made it sound so good to be debt free. I was being bothered at my part time job from Credit 9 through phone calls pressuring me to sign the paperwork that they had sent to me through my e-mail. I only had a short time to sign. I replied to the e-mail I was at work and I did not have time to read what was sent to me. This needs to be done now and that I was making the right choice with them. Not knowing how Debt Settlements work, my credit dropped and now I'm trying to rebuild it. I'm a single person and support myself and I'm on XXXX. The due dates did not match my pay period and it was drawing my bank account over drawn. They divided the payment up in XXXX. {$280.00} every 2 weeks. I did call and speak with them on the phone that the payment due date doe 's not match up with my pay schedule and they were over drawing my account and I had to pay fee 's because of this. They did not care. They said paperwork was sighed. Remember I was being pressured to sign while I was at work. I made a few payments when I could but never caught up. I did call 2x month to Credit 9. it is In collections it is now. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference # XXXX. XXXX
Product: Vehicle loan or lease

Contacted VW immediately after they gave me this loan. Letting them know, in the future I would be unable to make these payments. I called them again on XX/XX/2019 and the agent lied to me and said there was nothing they could do to restructure my loan. In fact, they have lied almost the entire year I've had the loan about this " fact. '' XXXX XXXX called me back after I hung up out of frustration and was abrasive on the phone, and continued to perpetuate the lie. I heard loud cackling and hysterical laughing in the background. Clearly I was the XXXX of their awful joke. 

I was put into an unaffordable loan, from day 1 with no regard for my budget or ability to pay the loan on a fixed income. All of these were disclosed when I made the purchase. 

I need to restructure my loan so that I can keep my car. Which I'm living in with my cats. I have appealed to VW Credit on multiple occasions. They know my situation and could not care less. I'm in jeopardy of losing my vehicle, which is also my home, due to the predatory lending practices involved.
Product: Money transfer, virtual currency, or money service

Cashapp closed my account after I won the cash-app trivia THEY host on XXXX. 
My payment from them FAILED, and then they closed my account. 


Payment from $ CashAppTrivia {$24.00} for # CashAppTrivia This payment was canceled for your protection which triggered to get my account banned ^
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date. 
Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this. 
Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

i filed chapter XXXX in XXXX 2016 -- these debts were listed and relieved as of my closing -- these should be removed from my report -- i also contacted the agenies listed more than once to re-iterate this action that was taken -- i was not proud, but have a husband who has been XXXX XXXX XXXX, and unemployed for the past 2 years with XXXX XXXX to raise -- i work XXXX jobs and do my best to keep up -- these major unforeseen circumstances severly impacted our lives!!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My issue is with US Bank. My father 's checking account was compromised when a check of his was stolen from a US Postal mailbox. Early in XXXX I had suspicion that something was wrong when a series of his checks had not been cashed. I stopped payment on these checks on XX/XX/2022 at out local US Bank. On XX/XX/2022 I was going over my father 's account and saw that he was overdrawn about {$2000.00} which surprised me considering the day before he had in access of {$13000.00}. I immediately looked over all his checks and came to find that a {$40.00} check somehow became a {$15000.00} check. I then went to the local US Bank branch and filed a report along with a police report. The branch worker told me it was now in the hands of the fraud dept. For the past 2 months I have not been contacted from the fraud dept nor been able to access anyone who could help me. Every time I call I get the run around. They transfer me from one dept to another and always end up back at the place that I started out. I don't see where this is my problem. The bank cashed a check that had a stop payment on it. What's the point of stopping payment if the check gets cashed anyway? I would like help in getting my father 's money back into his account and all overdrawn fees redeposited. Thx
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681 B, permissible purposes. I never gave XXXX, Equifax or XXXX written consent to report or keep reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX CARMAX INC 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 Attorney General of Louisiana This is an initial communication to notify CARMAX INC that I, XXXX XXXX XXXX, consumer, have recently discovered adversity within the transaction associated with contract number XXXX During this consumer credit transaction initiated and consummated on XX/XX/XXXX I was asked by CARMAX INC to remit a down payment of {$1500.00}. Pursuant to 12 CFR 1026.18 in conjunction with 15 USC 1605, the amount financed is the sum of all charges in the dollar amount. The respective statute also affirms that The finance charge does not include charges of a type payable in a comparable cash transaction. 

Upon review of my retail installment contract, I noticed that the alleged required down payment is listed and acknowledged as a cash payment. Pursuant to 15 USC 1611 and 15 USC 1640, CARMAX INC, are both civilly and criminally liable for said violation of my federally protected consumer rights. 

In exercising my rights as a consumer, I hereby demand that within 15 days of receipt of this letter, my down payment of {$1500.00} is made payable to XXXX XXXX XXXXXXXX and mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Kind Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved UCC 1.308
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and XXXX multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to XXXX and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.
Product: Debt collection

On XXXX/XXXX/2017 at XXXX local AZ time, XXXX XXXX called requesting to speak to XXXX XXXX . I verified the name was correct. He then proceeded to state the name of his collection Company - Thunderbird Collection Specialists. However he failed the following FDCPA rules when trying to collect on a debt. He failed to fully verify besides my name that he was speaking with the correct party. He failed to state the mini miranda, failed to state the debt collector disclosure and failed to state that the call may be recorded. He also stated that he was calling to see how I was planning to rectify this debt that is in their office before he advises his client to take me court to collect on this debt. He also told me he had left multiple messages to a person who I identified to be a relative, regarding this debt. When I advised him of what he had failed to do prior to commenting that he was calling to collect on a debt and that I was going to just end the call instead of speaking with him, he preceded to state that he was going to status " my account '' in their office as a Refusal to Pay. When I responded back to him and stated that I was not refusing to pay anything, he began to be rude by interrupting me and then he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation name XXXX XXXX  
FRCA Violation credit card
DISCOVER BANK
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FRCA Violation collection

XXXX XXXX XXXX  Reported: XXXX XXXX XXXX
XXXX  Needs Attention XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention
XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : EQUIFAX : 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 XXXXXXXX, XXXX XXXX XXXX XXXX REMOVE THESE FRAUDULENT INQUIRES IMMEDIATELY!!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights and are in error : 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 On XX/XX/2023, the credit reporting bureau XXXX Equifax XXXX acknowledged that there were in receipt of my dispute and were still working on the issues. On XX/XX/2023, I checked my credit report and the above accounts still reflect as a negative mark on my credit report. 
Again this is a violation of my rights under the FCRA 15 U.S.C. 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; also states that the consumer reporting agency can not furnish an account without my written instructions. 

In my initial request to the credit reporting bureau on XX/XX/2023 ; I requested that the agency provide me proof of my written consent for the accounts listed above to be furnished. I specifically asked for the original contracts and signature, and proof within that documentation that states Im consenting for this information to be furnished. 
As of XX/XX/2023 ; I was never provided that information for any of the accounts referenced above. The inaccurate accounts are doing damage to my credit rating and I demand the accounts to be deleted from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this request. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Hello I contacted XXXX in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

There are numerous inaccuracies and negative items on my credit report that need to be fixed.These items are not reporting correctly according to the law. See letter attached for a detailed explanation