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

On XX/XX/2024, I sent a letter to the bankruptcy courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating that They do not report any bankruptcies or update information to the credit bureaus. So if thats the case, How did the credit bureaus verify my bankruptcy as XXXX XXXX  Accurate? They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

Phoenix recovery group continues to report inaccurate information on my credit report. They say account number XXXX with them owes {$5600.00}. 
They have never provided a debt validation as requested. They just reply back to credit bureaus and say its correct. Its not. I have no recollection of the debt, have never been sent anything in to mail about it, never been called. Etc. In fact, when I called them, they couldnt talk to me because I couldnt verify the personal information in their system, meaning its not me. Bottom line is its not mine and they have never validated the debt. Therefore in accordance with the Fair Credit Reporting Act, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX XXXX accounts are being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   {$5600.00}, now {$4600.00} minus {$350.00} payment on   XXXX   XXXX   XXXX   I requested an explanation of why the principal reduced, but the corresponding interest charge did not match. Still, no response fro m them.. My last letter to them is attached to this document.
Product: Credit reporting

TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Product: Debt collection

There was damages to the apartment I used to live at. The bill was sent to a XXXX XXXX agency. I paid the Bill of {$1400.00}, XX/XX/XXXX. In XXXX of XXXX the account was sent to Procollect and they contacted me and said the bill was never paid. I sent them proof of payment, a receipt and my bank statement. Then they reported me to the credit bureaus after I sent proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But XXXX I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to XXXX and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made XXXX aware on numerous occasions that I do not consent to their e-Oscar or any other type of automated methods for investigations. Today is XXXX XXXX and nothing. XXXX has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.
Product: Credit card or prepaid card

I had my card stolen and charged my card lots of charges and the sent a letter saying my funds was credited on these date XX/XX/2020 and XX/XX/2020 which have not occurred and they dont know why and cant tell me why not and say theres nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter regarding the violation of the Gramm-Leach-Bliley Act by the company Affirm. It has come to my attention that Affirm is not allowing me the right to opt out of disclosure, which is a direct violation of my privacy rights as outlined in the Act. 

According to the Gramm-Leach-Bliley Act, individuals have the right to control the disclosure of their personal financial information. This includes the right to choose whether or not their information is shared with third parties for marketing or other purposes. As a customer of Affirm, I should be granted the opportunity to exercise this right and opt out of such disclosures if I wish to do so. 

I kindly request that Affirm promptly rectify this situation and provide me with the necessary means to opt out of any and all disclosure of my personal financial information. Failure to comply with the requirements set forth by the Gramm-Leach-Bliley Act may result in legal action being taken against the company. 

I appreciate your attention and prompt action in resolving this matter. Please provide me with written confirmation once the necessary changes have been made to ensure compliance with the Act. Should you require any further information or clarification, please do not hesitate to contact me at [ your contact details ]. 

Thank you for your cooperation and understanding.
Product: Debt collection

The company Professional Finance can't provide me the original agreement or do they have my social security number to provide to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, Transunion, XXXX XXXXXXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with Transunion before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to XXXX, and XXXX this is so frustrating.
Product: Mortgage

New American funding is lax in their ability to process.. I signed all th loan docs and wired money ,over 200000 grand . We were supposed to close XX/XX/XXXX then it changed to XX/XX/XXXX .The lender is saying that they want proof the the money is mine. .......I was robbed of my identity on Sunday ,XX/XX/XXXX so I had to change all my financial accounts.. I wired the money from my new account same bank. And they say its not my money. But THEY HAVE MY MONEY !!!!!! The sellers want to cancel because of the decrepancies of the lender ,XXXX XXXX,and her processor from XXXX XXXX.they are giving until XXXX  today. The lender did not act on this proof of funds being mine until XXXX XXXX on the day of closing,Thursday, after I signed the papers and wired the money.  They had since Monday. I have done everything they have asked for immediately. Even did not go to work in order to do so I may lose the house and my money is in limbo. Its  negligence and lack of ability to do their job which has caused much grief emotional,and financial hardship on all myself and the sellers and the realtors .
Product: Credit reporting, credit repair services, or other personal consumer reports

PentFed Credit Union has been fraudulently reporting on all of my credit reports. I NEVER agreed to a loan with them, I simply applied for a refinance to my current vehicle and their response was to open a loan account on my behalf without even asking me if I agreed to their terms and without even telling me what their interest rate was. They sent me promissory note and check in the physical mail during this process, I was just waiting to see what my approval terms were, they would not tell me via their online messaging system or via email, stating that I would receive the info in the mail. I found it odd that I got a check in the mail and a promissory note along with instructions on how to change my title over instead of an approval letter FIRST. So I told them forget it, I do not want to proceed with an agency who does not know what they are doing ( this is not the first issue I had with them ). I never signed the note, nor cashed the check so I am EXTREMELY surprised to see that they are reporting on my credit reports!! I was wondering why I was getting denial letters from other car loan agencies stating I had too high revolving accounts, because I only have one car loan which I was refinancing for. So I check my reports and see it is because this " bank '' opened up a loan account and put it on my credit report! Now I have unnecessary dings on all three of my reports because of them! I have absolutely had it with this " bank ''! Which is why I am reporting them, so someone does something about their fraudulent actions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  account names : XXXXXXXX XXXX XXXX  from XXXX  on XX/XX/XXXX, date reported on XX/XX/XXXX. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/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 whithout my written instructions.
Product: Debt collection

I have sent out dispute letters over and over again since the begining of this year, in XXXX The laws states that I have the rights to a fair and correct reporting. I need these accounts to be deleted now. I have not given my permisson for anyone to share my info or to put anything on my credit without my written permission. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX account # XXXX
Product: Mortgage

On XXXX XXXX a trial loan modification agreement was signed. On XXXX XXXX a letter was received requesting one final payment to complete the trial modification. Several attempts were made to contact Selene to address the situation and issue was never resolved by any representatives. Please see attached documents for detail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/XXXX XXXX XXXX, I CALLED XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT AND SPOKE WITH " XXXX XXXX ''. SUPPOSEDLY A SUPERVISOR. HE WAS VERY RUDE FOR STARTERS, HE ALSO REFUSED TO FILE A NEW DISPUTE FOR ME, BECAUSE THE COMPANIES HAVE FAILED TO RESPOND FROM XX/XX/XXXX. AFTER I EXPLAINED TO HIM I'M UNAWARE OF CERTAIN ITEMS ON MY CREDIT REPORT, AND THAT'S ENTIRELY TO LONG TO STILL BE WAITING ON A RESPONSE BY LAW. I THOUGHT I COULD FILE A DISPUTE IF I'M UNAWARE OR DON'T RECOGNIZE SOMETHING ON MY CREDIT REPORT. XXXX TREATS CONSUMERS TERRIBLE.
Product: Credit card or prepaid card

I have on numerous, document occasions, attempted to resolve the unfair and deceptive practices performed by Citibank. Despite refusing to provide the bonus offered in unsolicited advertising sent to me, Citibank continues to send me unsolicited offers for similar cards for which I have no idea whether they will honor or not. 

This is unfair and deceptive. I require you provide the advertise offers you send me. 

If you make a mistake and send me offers which I then respond to, you should acknowledge your mistake before I meet my end of the implied contract. 

If you can later determine I am ineligible, do not send me the offer in the first place. 

Please provide appropriate restitution for your actions.
Product: Vehicle loan or lease

My Genesis Auto Lease is expiring so I elected to sell my Genesis XXXX via private party. I printed a payoff statement in XXXX and contacted Genesis Finance USA to confirm I had the right amount, address and process. 

On XX/XX/XXXX, I again contacted Genesis to confirm the amount, address and process. I then met my buyer at a XXXX in XXXX to finalize the deal. I brought a check for {$1600.00} and the buyer brought a check for {$39000.00}. We XXXX XXXX both checks along with the payoff statement and odometer statement all together via overnight mail. XXXX tracking number XXXX. The package was received on XX/XX/XXXX at XXXX XXXX and signed for by XXXX XXXX. 

I know the package was received because they posted my check for {$1600.00} on XX/XX/XXXX which coincidentally was also not posted in a timely manner. As of today, XX/XX/XXXX, they have not posted the large check nor processed the payoff nor had any relevant communication with me. They continue to charge interest and are sending me notices that a payment is due on XX/XX/XXXX. 

I called on XX/XX/XXXX to file my first complaint. The rep told me the payoff department does not accept calls and she sees not record of the other check or paperwork. She could send them an email and they have 5 days to respond. ( I'm still waiting for a response. ) I asked for a manager and was transferred. She asked for all the information I gave above and she promised that a complaint was filed and I would hear something soon. 

Due to no response, I called back on XX/XX/XXXX and again had to ask for a manager because a rep told me no prior complaint was filed. The manager confirmed no complaint was filed, nor could I talk to the payoff department, nor could it be escalated. He filed an email complaint for me and again said it would be 5 days. I begged for a quicker response and more help but to no avail. 

I have not heard a response as of today, XX/XX/XXXX. My buyer is furious with me. I have to keep the car insured even though the buyer has the vehicle. I have big liability if something goes wrong. I may lose the sell to a good buyer. 

I would also like to add that Genesis XXXX XXXX  has also conducted suspect practices with repairs and a recall. A dealership guaranteed they replaced a fuel pump due to a recall and then the next dealership while inspecting it for normal maintenance stated the pump was not replaced so they actually replaced it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a my credit score had dropped substantially in the midst of getting a general projection of my credit score ( via XXXX XXXX ). I saw a hard inquiry submitted by Credit Plus ( XXXX, MD XXXX ) submitted on XX/XX/XXXX. I have not tried to pull my credit, or apply for anything. I also did not give any permission to this company I have never heard of. I've filed through XXXX   and let all XXXX Credit Bureaus know of my plan of action. I have read extensively of this company doing this quite frequently, and I am petrified for repercussions of them doing this in the event my credit score needs to be ran for whatever reasons ( new car/etc ). I truly beg you to help rectify this with this company, not only for me but for XXXX what I am sure ) is hundreds if not more consumers unknowing to their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written correspondence to Experian and XXXX regarding an account from XXXX from XXXX since XXXX of this year and have made zero progress. 

The account is reporting inaccurate and incomplete information. Additionally, there is a serious timeliness concern with this antiquated account. 

I understand that XXXX has been plagued by the additional burdens of being under Federal Investigation due to false reporting. I am not sure why Experian has not provided any clarity on the situation or the requested proof or documentation to support the inaccurate and untimely information that is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I discoverd XXXX XXXX, BBY/CBNA AND DSNB MACYS report as a negative balance on my credit report. I have never owned, applied or possessed any of these cards.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XXXX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge about them, and the company did them without my consent.
Product: Debt collection

This company gave this vehicle it was not new and did not have new items after 4 months it had complete brake failure. Which caused a Terrible accident they didnt take fault to care for people in accident they just fixed the brake in car and try to blame us when car is supposed to be new. I couldnt pay the contracts they refused to extend them after that terrible accident.
Product: Debt collection

We have disputed over and over this debt with Transworld System via XXXX  anad they just update the file. We called today on XXXX XXXX, 2025 and asked for full validation of debt also debt purchase agreeement. They could not even validate the company they obtained the debt from or even my ssn. When asked how they obtained this debt they would not answer when asked for full detailed bill for the amount they hung up. I called back and asked to speak to senior manager well to my surpise they were not availble and asked to called back. I called back several times and kept on getting the same person that lied about working in a office when cleary they working remote with kids in the background. We have disputed this over and over again with XXXX  they also have not taken steps to assist us with this matter.