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

I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, XXXX, Equifax, and XXXX. I have sent multiple requests to XXXX, XXXX, and Equipfax to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX, charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to Equifax and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and Equifax of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by Equifax and XXXX. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and Equifax states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies Equifax and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.
Product: Credit reporting or other personal consumer reports

I have sent disputes to Equifax, XXXX, and XXXX for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Credit reporting, credit repair services, or other personal consumer reports

agency has not COMPLIED with my request.
Product: Credit reporting or other personal consumer reports

Yesterday XX/XX/2024 I requested that Equifax remove the fraudulent inquiries from my credit report. And they denied it without properly reviewing and processing the dispute.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/XXXX - XXXX - XXXX recently requested for this account to be deleted from my credit report due to inaccurate reporting. On one report, it states that my last payment was made on XX/XX/XXXX when the others state XX/XX/XXXX. Also, it reports my XX/XX/XXXX days late as XX/XX/XXXX when my other reports show XXXX. The account continues to update as a balance reported affecting my account as a recent derogatory when the account is closed and inaccurate for payment reporting.
Product: Mortgage

I hired an attorney, XXXX XXXX, to help me take care of the foreclosure in court & to dispute the mortgage. When the court date came, I was unaware of it because he never stayed on top of it and I lost my house as a result of not showing up by default. Wells Fargo was the bank processing the foreclosure at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I filed a complaint and closed the account because they never credited {$200.00} they promised for purchasing an airplane ticket. After I filed the complaint they credited the account the {$200.00} and with the annual fee they credited gave the account a total credit of {$78.00}. I have asked that the cash be sent to me and get no responce.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of this year I shopped for my XXXX XXXX XXXX XXXX XXXX XXXX Saks 5thh Avenue. Since the merchandise was low in the store, the sales person suggested opening up a credit card through Saks which is Capital One.. I was given a large credit line as my XXXX XXXX is excellent. I purchased XXXX dress, alternations for it, shoes, purse and a purse from Saks off 5th- I returned everything else. For several months I did not receive any statements and was alerted that I was late on payment - my assumption was all the credits offset charges. I spoke live with my XXXX contact who said they were having problems with many not receiving their statements. He waived late fees. The statements continued to come to me and I noticed the amount owed exceeded my purchases. I requested they provide me a description of any charged/purchased item I did not return. They were unable to do so!! They have set up a horrible accounting situation with Saks. No itemization and could not provide me ANY proof. They suggested I go to the store which does not have any billing employees!! I then was connected with fraud who promised me they would resolved this. Please note I have XXXX  ( Icon membr ) as well as Platinum XXXX- they can ALWAYS provide me proof of charge, items, etc.and will do the research if necessary. I have continued to pay in excess of what I purchased to keep my XXXX XXXX good. {$2300.00} The last convo with them they now say it's beyond 60 days and they can not help any more. They are holding me XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

2021 SOMEONE RENTED AN APARTMENT WITH XXXX XXXX XXXX IN UTAH FRAUDULENTLY IN MY NAME WITHOUT MY CONSENT. 
NOW EQUIFAX CREDIT REPORTING IS POSTING FRAUDULENT INFORMATION ON MY PERSONAL CREDIT REPORT FALSELY. EQUIFAX IS IN VIOLATION OF MY FCRA RIGHTS. 
THE XXXX XXXX XXXX ACCOUNT IS NOT MINE, I NEVER OPENED IT.
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. 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXXg according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted. Company information : Equifax. Please delete the following accounts : XXXX XXXX XXXX : Account XXXX BALANCE {$1200.00} ; XXXX XXXX XXXX : Account XXXX BALANCE {$1800.00} ; XXXX XXXX Account XXXX BALANCE {$2000.00} ; XXXX XXXX XXXX Account XXXX BALANCE {$940.00} ; XXXX XXXX Account XXXX BALANCE {$970.00} ; XXXX XXXX Account XXXX BALANCE {$0.00} ; XXXX XXXX Account XXXXXXXX BALANCE {$7600.00} Please block and delete all listed inquiries, incorrect addresses and employments listed as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of all fraudulent accounts due to XXXX XXXX. Please block and remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2019 I filed an online request to obtain my annual free credit reports from XXXX, XXXX and Experian. I have received reports from XXXX and XXXX. I received a letter from Experian dated XXXX XX/XX/2019 declaring I did not provide sufficient information to send me my report. I do not understand why, when I go online to request this information, it is adequate for 2 firms and inadequate for the third. I have tried for 2 days to contact Experian and have been unsuccessful. After the recent Experian data breach disaster, and the lack of concern for common Americans exhibited over the last 26 months by the liar in the White House and his indictable cohorts, I am extremely concerned that my personal information is either 1. compromised and available to fraudulent or criminal sources, or 2. inaccurate, untruthful, or just plain wrong. I accept that in the end, I am the one most responsible for my security. However, I have been unable to contact any human being at Experian to seek help on this matter. I believed that completing my request at XXXX was the correct way to review my credit information. Is this no longer true? What advice can you offer about how to either contact Experian, or make a request that they remove any and all information about me from their records and confirm that fact to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXXXXXX XXXX  ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!
Product: Credit reporting or other personal consumer reports

Hi TRANSUNION, I just checking my credit report and I saw this XXXX  XXXX BANKRUPTCY still showing up my credit report. I was told this inaccurate account shall delete from my credit report and I want to delete this bankruptcy as agreed by LAW.
Product: Money transfer, virtual currency, or money service

So, I was texted and asked for money. I finally gave in and created a account with Paypal. I thought I was helping someone. I have never used any cash sending services that are digital in nature. I did complete the transaction but after doing so, I learned the name that I had sent the money to was someone else! I began feeling like I had made a major mistake. I then began looking around to see if there was anything I could do on my own. As you can imagine they have no XXXX hour customer support for their global operation. I contacted Paypal a few hours after they opened that morning. I asked to cancel the transaction or for a refund. 

They told me there was nothing they could do, and that they would follow up with the receiver. Only the receiver could agree to issue refund. I feel this offers no consumer protections for the paying customer, how can this be? I feel totally exploited as well as taken advantage of. I resorted to issuing a dispute with my bank, and suffer the loss of my debit card. As I have reviewed their XXXX page many of their customers feel scammed and taken advantage of. Paypal seems to operate outside of standard banking practices in the XXXX. Collecting revenue via fee 's is more important than being an honest financial institution and doing the right thing.
Product: Debt collection

Company contacted me last week regarding a legal matter that they wanted to discuss. This morning i received another call stating the same thing and now reaching out my family members. I dont know what " legal '' matter this is but i dont have anything outstanding or issues.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference. 

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account. 
A thorough investigation into the root cause of the delay to prevent similar issues in the future. 
Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay. 
I expect this issue to be resolved within the exact timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.
Product: Credit reporting, credit repair services, 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 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 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: Debt collection

I signed an agreement with this company to pay of my debt of approximately {$4500.00} and when the debt was paid in full, the company promised to file a dismissal of the unlawful detainer case and to clear my credit regarding same. I ran into some financial problems and couldnt make the payment in full. Since then I had been making good faith monthly payments and now the company sends me a bill which added on interest of approx {$200.00} extra a month. I told them that I never agreed nor did they ever put language in our agreement regarding interest. They broke the agreement and are telling me that by law they have the right to charge me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 & they have violated my rights & I demand that the account listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish this account. 

XXXX XXXX Credit Card xxxxxxxxxxxx XXXX This is my third CFPB complaint against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX
Product: Checking or savings account

Hello My name is XXXX XXXX I 'm filing a complaints because no Bank is letting me open any accounts I 'm writing to tell the information is wrong I was a victim of fraud and is trying to open a accounts can I please get some help Thank You
Product: Credit reporting or other personal consumer reports

I have contacted Experian for years about reporting inaccurate information on my credit report to no avail they are reporting lies on my name and hurting my personal life
Product: Vehicle loan or lease

I received a cat loan from credit acceptance in XX/XX/XXXX on a XXXX XXXX XXXXXXXX my loan amount XXXX in XXXX they came and repossessed my car they never sent any letters or anything
Product: Mortgage

I have been corresponding with XXXX XXXX First American Title Insurance Company Phone : XXXX Email : XXXX She has refused to include any of her management team in the e-mail thread. I started this process XX/XX/XXXX. 

I closed on a home XX/XX/XXXX. XXXX XXXX was the loan officer. 

I was notified that my home insurance was cancelled by XXXX XXXX for non-payment. I purchased my own in XXXX. 

I was billed for XXXX property taxes by XXXX XXXX XXXX. I paid the amount due, with late penalty. I paid it XX/XX/XXXX. 

I examined my closing statement produced by First American Title and saw that I paid {$830.00} for home insurance, so I asked for a refund. 

I examined my closing statement produced by First American Title and saw that I paid {$560.00} for property tax, so I asked them for a refund. 

XXXX XXXX has deflected my requests for refunds and claimed checks were written and paid for these amounts. XXXX XXXX and XXXX XXXX XXXX claim otherwise. 

I want my account audited and XXXX XXXXXXXX XXXX management to inspect her work.
Product: Credit reporting or other personal consumer reports

I recently sent a dispute because I believe an account on my credit report is not correct or complete. They did not properly look into it. I still think the information is wrong, and it is causing me a lot of stress and sadness. Please help XXXX feel hopeless. 

Please know that I am a real person, and I am sending this dispute myself. No one else is doing it for me.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports