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

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments/utilization on multiple accounts : XXXX. XXXX XXXX Unverified/Not Metro 2 compliant XXXX. XXXX XXXX Unverified /Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXXXXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX  Unverified/Not Metro 2 compliant XXXX Unverified/Not Metro 2 compliant XXXX. XXXX Unverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX compliant XXXX XXXX XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant and/or utilization is an experience created by credit usage XXXX 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ... ....
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high 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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

This is the account that I have marked as inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership cXXXX XXXX XXXX XXXX XXXX  they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want these accounts removed ive filed a dispute 5 times and they keep reporting inaccurate information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the account referenced above, which has been reported to my credit file. I believe this account is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccurate Reporting ( 15 U.S.C. 1681b ) : Under the FCRA, I am entitled to accurate information being reported. The details of this account are not correct, and I request that you provide verification of the debt.

Consumer Reporting Information ( 15 U.S.C. 1681b ( 2 ) ) : I assert that your reporting does not meet the requirements stipulated in this section, as you have failed to provide a permissible purpose for obtaining my consumer report.

Validation of Debt ( 15 U.S.C. 1692g ) : According to the FDCPA, I request that you provide verification of the debt, including the amount owed, the name of the creditor, and documentation that supports your claim. Without this information, I will consider the debt invalid.

Cease Communication ( 15 U.S.C. 1692c ) : I request that you cease all communication regarding this account until you provide the necessary validation as outlined above. Continuing to pursue this matter without proper validation may constitute harassment under the FDCPA.

Please respond to this letter within 30 days of receipt. If you are unable to provide the necessary documentation, I request that you remove this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # 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 12 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

In XX/XX/2023 I submitted an online inquiry about a home equity loan or HELOC with this company. I received a return phone call on a recorded line and the representative stated that they could not offer me that type of loan, but could offer a cash out refinance loan. I stated that I would not be interested in any refinance as I have a better rate on my current mortgage and was looking for a small amount of funds ( less than 10 % of the mortgage amount ). Based on this I said I wasn't interested in a refinance and ended the call. Even though I gave the company a clear NO they proceeded forward as if I had said yes - they opened a mortgage application and began sending documents to my home such as copies of an application. This was a major security risk because the documents contained my full social security number, income information etc and as I had no awareness they would be sent they could have easily been stolen from my mailbox without my knowledge and led to identity theft. Meanwhile, the company repeatedly called me and sent emails regarding a mortgage process I had already clearly stated I wasn't interested in. After over a month of hounding me they sent a 'denial notice ' for the application - again despite me having denied ever wanting to open an application. The lending XXXX was XXXX XXXX, XXXX Licensed Lending XXXX, NMLS # : XXXX. I informed them yet again that I had declined any mortgage offering and that any application opened in my name was fraudulent- they have made no effort to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong yo me. In the past i have been a victim of identity theft inwhich left my credit file compromised. In the past I had request the Method of Verification inwhich you find this accounts true and just know as a general rule electronic Verification is not a factual statement of facts. Also via the rules stated within the FCRA once an account is established from identity theft then the accounts shall be removed. Therefore, I'm demanding the immediate removal of the following accounts. Please block and remove ; 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion and Equifax have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against these companies, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences regarding student loan account reporting
Product: Credit card

I did not get anything other than the logo that I was promised. 

XXXX/XXXX/XXXX : Press Release XXXX log on info provided ( so I could write my own press releases ) XXXX/XXXX/XXXX : Provided a press release for XXXX which I edited and returned on the same day XXXX/XXXX/XXXX : One article for XXXX ( XXXX Article ) - Problem : the article promotes a watch I do not have for sale on the site XXXX/XXXX/XXXX : Provided the revised version of the Press Release sent XXXX XXXX XXXX/XXXX/XXXX : Provided a second article for the XXXX site XXXX/XXXX/XXXX : Provided a third article for the XXXX site that is promoting the same item the second article had promoted XXXX/XXXX/XXXX : I sent an email requesting clarification with regard to what exactly they were supposed to be providing per our agreement XXXX/XXXX/XXXX : They responded to the above request by directing me to contact their fulfillment department XXXX/XXXX/XXXX : I received XXXX Article # XXXX to which I sent a response asking what I am supposed to be doing with the articles and where the press releases are sent along with the question : do I send them out or do they. I further expressed concern over lack of communication and my inability to contact them by phone ( I have forwarded that correspondence to XXXX office. ) XXXX/XXXX/XXXX : I was provided with the final logo for XXXX XXXX/XXXX/XXXX : I received a response as to why XXXX Articles are important, but not explaining what I was to be doing with them. They also included the fifth XXXX Article. 

XXXX/XXXX/XXXX : I responded to the XXXX XXXX email from them and asked for more clarification XXXX XXXX - XXXX XXXX Multiple back and forth emails attempting to schedule an appointment with no luck.
Product: Credit reporting or other personal consumer reports

Transunion is listing a address on my credit report that isn't mine and its listing numerous accounts that I have no idea of plus a number of hard inquires I am not aware of. 

The address : XXXX XXXX XXXX XXXX XXXX, Ca. XXXX is not my address please remove from my credit report. thank you the following accounts should not be on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account XXXX XXXX XXXXXXXX the following hard inquires XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion
Product: Debt collection

I have never had an account with XXXX XXXX, nor have I ever received communications from them through anything other than this website or XXXX. I have never received communications from XXXX XXXX XXXX. They have stolen my identity and are using it incorrectly.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for their failure to remove inaccurate debt information from my credit report, despite multiple disputes and clear evidence of errors. 

Details of the Complaint : Erroneous Debt Entry : XXXX XXXX XXXX has reported a debt under the name " XXXX XXXX '' associated with an address on XXXX XXXX. My legal name is XXXX XXXX, and I have never resided at the mentioned address. Additionally, I have no affiliation with the alleged debt. 

Equifax 's Inaction : I have disputed this inaccurate information with Equifax multiple times, providing documentation to support my claims. Despite this, Equifax has failed to remove the erroneous entry, allowing the false information to persist on my credit report. 

Impact : The continued presence of this inaccurate debt on my credit report has caused significant harm to my creditworthiness, leading to financial and reputational damage.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to link my PNC account with the XXXX XXXX XXXX application, and it stated that PNC made changes that prohibited me from doing so, with no further explanation given.
Product: Debt collection

On the XXXX of XX/XX/2019 I left my apartment in XXXX ( XXXX XXXX ) unbeknownst to me I owed money, this is due to a lack of communication on the property management team. ( noted on my XXXX reviews ) They assured me all my debts were settled at the final walkthrough. XXXX month later I see a collections notice on my credit report. I did not receive any notice at my new address from XXXX or the collections company ( pro collect ) even though I left a forwarding address. As soon as I found out I owed I paid on the spot. 
The collection became visible in XXXX and by XX/XX/XXXX I made a payment in full. I pay all my bills on time, car utilities etc .... I called procollect to question the validity of this and they switch on to full predatory mode and gave me a week to pay, I didn't have a problem paying however they didn't care, they threatened people with saying someone is refusing to pay if its not done within their timeframe. I Should not have to suffer because of predatory and non communicative individuals. Especially when someone does not have a history of defaulting on their payments. the highest balance I had on the debt is 0.
Product: Credit reporting

Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:XXXX XXXX XXXX XXXX they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
XXXX XXXX Mortgage company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another XXXX and I gave them the account number, they never bother to contact me when the XXXX payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, XXXX months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
XXXX XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquentXXXX- the new employment - XXXX XXXX XXXX who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much XXXX XXXX : XXXX account which I am not aware of at all, I never received a bill or an email from these companies, even
Product: Student loan

I found on my XXXX that a loan in a separate state from the one I live, and with a completely different name from mine, used my social security to process a Loan with one Edfinacial, I've refuted this claim multiple times as fraudulent on XXXX with it getting denied every time, finally I had enough and went directly to XXXX website to make the claim but they refuse to do anything with out me providing the account information ( which I clearly don't have ) or my social security number, which I refuse to give them because I have my doubts they won't just use it to say I do owe money that I was never lent.
Product: Credit reporting or other personal consumer reports

Unverified Accounts Reporting to my credit report. Statue of limitation law
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the negative items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. If you choose to not remove the following items listed below which are reporting inaccurately due to incorrect credit report information, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are erroneous credit information & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report information. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Checking or savings account

XXXX  XXXX  advertises early pay, and usually I receive it. But Wednesday XX/XX/year> came around and I received no funds, so I called into customer service on Thursday XX/XX/year>. I was on hold for a very long time before I was able to get a rep on the phone. I let the rep know that part of the money I receive from my paycheck I have already received because my paycheck goes into XXXX separate bank accounts. So I know my employer isn't to blame on why XXXX XXXX received my direct deposit. This is when the rep informs me that XXXX XXXX is having a " technical issue '' and I will have my deposit on my regular scheduled pay day is which Friday. Well surprise, it is Friday morning XX/XX/year> and I still no have deposit, and late last night while I was sleeping an official email was sent out stating there's an issue. I'm really upset, I live paycheck to paycheck and require my deposits to be posted on time, so my family and I can keep our room that we temporarily live in