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

I asked for proof of verification and was not provided with any. Transunion continues to report inaccuracies without proof of the source that they claim was verified. I have sent several letters on this subject and I keep getting the same computer generated response. All accounts are verified. No proof is ever given from the source they claim is verified. Where is the proof. 

Subject : Immediate Action Required : Proof of Verification or Deletion of Negative Items Dear TransUnion, I am writing to address the ongoing issues regarding the inaccuracies on my credit report. Despite my repeated requests and providing comprehensive documentation, TransUnion has failed to demonstrate proof of verification for the disputed items, as required by law. This lack of transparency is unacceptable. 

I demand that TransUnion either provide me with the proof of verification for the disputed items or delete them from my credit report immediately. Your continued failure to comply with this request is a violation of the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of your reporting practices. 

I expect a prompt response outlining the steps you will take to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report the account XXXX XXXX Account # XXXX incorrectly. There are several late payments listed that is not correct and I was not late. I previously disputed this information and the consumer agencies stated it was verified as accurate. I did not receive any information to prove that they did a reasonable investigation and its on the consumer agencies to prove that it is indeed accurate. 

Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since these consumer agencies are reporting this account different ways they could not have done an investigation because none of the information matches up to the other and they provided me with no proof. I have initiated arbitration since the information has not been update to paid as agreed as instructed. 

( a ) Time to make payments A creditor XXXX 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

Commencing on or from XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX ( the Scammers ), Fake XXXX XXXX XXXX XXXX XXXX ( the Scam Company ). Money was transferred from my account via bank wire and through an intermediary named in the total amount of XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX 's Comenity bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called Comenity credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of Comenity Banks ineptitude and lack of follow through on their end.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate,

without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I leased a copier from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$210.00} a month for 24 months. Upon receipt of the lease agreement it was incomplete and an illegible facsimile copy. Many of the details of the lease agreement were omitted such as the total cost of the lease at the end of the 24 months, the original purchase price of the copier and the copier 's serial number. However the lease agreement did indicate my end of lease option would be to purchase the copier for Fair Market Value ( FMV ) which would be provided by XXXX XXXX XXXX XXXX XXXX. At the end of the 24 month lease term which was XX/XX/XXXX I was not provided the Fair Market Value of the equipment nor was I placed on notice that the lease agreement would renew automatically every 60 days from XX/XX/XXXX. However, I did continue to receive invoices every month for an additional 48 months or 4 years for {$210.00}. This means the lease renewed 24 times in 4 years and not one time was I ever notified of the renewal or given the Fair Market Value on any of the invoices that I continue to receive. I have paid an additional {$10000.00} ( {$210.00} x 48 months ). Today I contacted XXXX of XXXX XXXX XXXX XXXX XXXX to inquire why have I continued to receive invoices for 6 years and this equipment still has not yet been paid in full. She explained that after the 24 month lease expired I could have purchased the equipment for {$1100.00} Fair Market Value. I was shocked that I was not advised of the Fair Market Value in any invoice or monthly statement that I had received. I then requested a FMV offer, invoice or statement via email from XXXX XXXX XXXX XXXX XXXX/XXXX to buy the equipment. I received an email stating the FMV or purchase price of the equipment would be {$54.00}. I feel this company has taken advantage of me and charged me an additional {$9200.00} ( {$10000.00} - {$1100.00} + {$54.00} ) over and beyond what the Fair Market Value would have been on XX/XX/XXXX. It is obvious to me that this company preyed on me with their incomplete and illegible lease agreement and would not have EVER provided me the Fair Market Value in their monthly billing statements.
Product: Credit reporting or other personal consumer reports

Buckle credit card company using g preditorial tactics to tarnish credit. Had a balance, went to store directly paid everything in full. Charges were later added on as " intrest '' even though full balance was completely paid. Said " intrest charges '' kept taking on adding intrest. Was not notified had balance as i directly paid in full at store. I called commodity bank they have out of country phone support was no help. I went to store paid again in full money I was robbed. And then closed my account. I then called again to the XXXX XXXX and spoke with someone who told me they would credit my XXXX payment as it was not suppose to be billed. I declined because I told them I already paid and to make sure they closed my account. They offered to credit my account because they knew they messed up. I closed my account and told them to take the info off my report, they agreed and stated it would take up to XXXX hours to update and remove from my credit report. I kept checking it was still on there so I made a dispute. They declined if you check records they stole from me XXXX I fraudulently taken for after I had already paid in full. Then never notified I had further charges until I seen on credit report
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Equifax. I requested to have this information to be blocked. My personal information was exposed in Equifax data breach, and as a result, I became a victim of identity theft. I have submitted all required documentation to Equifax and requested a thorough investigation into the fraudulent activity in my credit file. However, Equifax has consistently failed to conduct a proper investigation and turn it into a regular dispute, instead of a block as requested, causing the situation to worsen. This troubling action suggests that Equifax is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Equifax is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being.

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items listed on my credit report that I have no knowledge of. This was a a result of malpractice or an error.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX 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: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX  XXXX XXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed Experian, XXXX  and XXXX XXXX 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX  XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX XXXX XXXX XXXX yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today Experian sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion XXXX  breach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I will start by saying Continental Finance just IGNORED me first, and then sent me a standard rejection letter. I always make sure and take care of my bills on time, however I had an unavoidable situation that occurred late last year. In XXXX of 2022, I became very ill, XXXX related, and was bed ridden for 3 weeks. I could not walk, much less leave the house. Needless to say, I fell behind on some bills, one of them was my Continental Finance account. I am also a Veteran of United States XXXX, retired on XXXX. 
All i wanted was mercy for ONE month, i am still a customer, and i have paid on time every other month, before and after my one late payment. 
Their response, they are required to report accurate information to the credit bureau. I understand that, but i also know they are lying. Credit card companies often time forgive late payments on credit cards, they just can not be bothered helping a single mother, veteran on disability, trying to purchase a home, with one late payment. I think this is unreasonable. I will attach my letters and lastly their " response ''.