23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This complaint is related to the resolution of the CFPB case number XXXX. Despite of my efforts to fix this problem and despite this complaint has already been resolve ; Transunion reporting agency do not care about the resolution in relation to my case. They keep reporting the wrong information, Transunion stated that only the collection company can delete the information, the collection company stated that they already deleted the information with transunion the same way they did with the other CRAs. 
Again this is in reference to the CFPB case number XXXX please read the resolution. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. TransUnion, XXXX, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : XXXX : XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). 

XXXX : XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX  XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

TransUnion : XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have a right to privacy. I did not give any creditor or credit reporting agency written or verbal consent to furnish any of my personal information to XXXX. I recently received a copy of my XXXX, XXXX and TransUnion credit report, and I noticed some late payments posted on my credit report. 

XXXX : XXXX Missed payments XXXX  XXXX : XXXX Missed Payments XXXX : XXXX Missed Payments XXXX XXXX XXXXXXXX XXXX XXXX Missed Payments XXXX XXXX XXXX : XXXX Missed Payment Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because it's my transactions with the line of credit that the person " corporation '' extended to me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have completed the dispute process multiple time, I spoke with a representative on XX/XX/23 and was advised that the account would be removed. It has not and now I am no longer able to complete a dispute.
Product: Debt or credit management

Lexington Law has being charing me {$120.00} for 10 years and still never fixed my credit
Product: Credit card

I have a XXXX checking account and a Barclays credit card account. I've had the credit card account since XXXX and I've primarily used my XXXX account to make payments. I've historically made the payments from the Barclay 's card website. On two separate occasions I've made {$2000.00} payments using this method, one on XX/XX/XXXX and a second one on XX/XX/XXXX. On XX/XX/XXXX Barclay 's reversed these payments and added {$400.00} back to my balance. The statement said that the customer ( me reversed the payments ). That isn't true at all. I checked with XXXX and they confirmed, the payments were never reversed and they sent me proof of payment. I have called Barclay 's over a dozen times and have spent over 10m hours on the phone with them and I'm not getting anywhere. Three weeks ago they told me that I should send proof of payment via regular mail which I did. Nothing has changed, there isn't a single person I've spoken to who can confirm whether they've received it. I was told today that that's back office and they don't have phones. Barclays also charged me a fee for the returned payment and they will no longer allow me to make payments form my XXXX checking account. The way I see it is that {$4000.00} was taken out of my checking account to make a payment to Barclays yet Barclay 's is saying I reversed it and I'm out {$4000.00} from Barclay 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXt Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A section 2 ; it also states that consumer reporting agency cannon furnish an account without my written instruction.
Product: Debt collection

The company seized the vehicle. I was not notified where the vehicle was located nor was I given the opportunity to try to get the vehicle back or get my personal items out of the vehicle. I attempted to get information from the company and did not receive any information.
Product: Checking or savings account

I made a deposit to truist bank for {$4000.00} and they locked my account and wont give me my funds. They told me to step into the branch I did they told me to get proof where the check came from so I reached out to XXXX bank and got a statement stating they sent me the check once I received the statement I took it to truist and they still wont release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from 765 down to XXXX and I can not get a loan at all now. XXXX will not correct this issue even thought I have requested it in writing. 
XXXX is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. XXXX says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help
Product: Credit card or prepaid card

Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from XXXX ( XXXX  ) and capital one, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.
Product: Money transfer, virtual currency, or money service

I was in correspondence with someone I believed to be the owner of the rental property. Due to Covid they were not willing to meet in person but it seemed like I was talking to the owner. I submitted a security deposit of {$1000.00} on XX/XX/2021 and it went through XX/XX/2021. It was done electronically from RBFCU to XXXX XXXX XXXX. They requested more money before signing a lease. I was able to find the true owners phone number and gave them a call, to find out someone was using their name and rental property to scam people. I contacted local authorities for a case, submitted a report on reportfraud.ftc.gov, and contacted my bank which stated they could not do anything, and contacted the bank the money was sent to which stated they need my bank to contact them.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to us my information.
Product: Debt collection

I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine. ACCOUNT : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/2021 BALANCE ALLEGED OWED {$510.00} You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account.Furthermore, you do not have any jurisdiction or authority to report without my consent.
Product: Mortgage

we have an 80. 20 mortgage and during covid applied for a 3 month deferment and at the end of the 3 months the mortgage company said we owed that 3 months back to them because they are saying it was a forbearance but from what I'm reading they can't demand the money back in one lump sum which they are. we were originally told the 3 months were being put to the end of the loan but now they are going back on their word. also they asked for hardship letter, proof of income, bank statements profit and loss statements etc multiple times which I've also read they can't do but they just keep telling us they aren't getting everything and to keep sending .it in again and again I feel like we are just getting lied to and deceived the company is SPServicing this is the company that did the 80 % mortgage. this is causing us a great deal of stress my husband is a XXXX and I am a front line worker
Product: Credit reporting, credit repair services, or other personal consumer reports

I was having a problem paying down my CC I called XXXX XXXX and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem
Product: Debt collection

I have contacted Pinnacle Credit Services regarding this. They refuse to speak to me and instead refer me to a third party that refuses to provide documentation on this " debt '', instead choosing to be rude and condescending.
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. 

Account Name : 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, credit repair services, or other personal consumer reports

Both Equifax and XXXX report an account that is over the statue of limitations. The XXXXXXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.
Product: Credit card or prepaid card

A skateboard was purchased on XXXX for {$1600.00} on XX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. However, the amount of {$1600.00} was not actually re-billed to me as I later learned. According to the merchant 's response, I had redeemed {$480.00} of a gift card issued to me pertaining to {$1600.00}. This is 100 % false as I never redeemed any amount relating to {$1600.00}. The merchants response is a lie and I expect a full credit. I expect not to be bullied by a XXXX dollar company and fully, notwithstanding, expect a refund of {$480.00} that was fraudulently obtained and charged to my credit card. The amount of my gift card used had no relevance whatsoever to this specific order.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. 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 Ive marked as inaccurate XXXX XXXX  account ending in XXXX XXXX XXXX account ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX XXXX account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Late payment was reported to credit bureau bringing down my credit score Company involved : Honda Financial Services I bought a XXXX XXXX from " XXXX XXXX '' dealer in Arizona in the year 2017. It was financed using honda financial services. My paperwork was mostly handled by the dealer, i was just asked to sign few papers and later they did rest other paper works. I even shared my debit card details, set up my insurance etc. After talking to the dealer i was under the impression that autopay has been set up for this account. I took the vehicle home. One day after 3 months, when I woke up, my car was not present in my parking lot of my gated community apartment. I checked with the leasing office, they were not informed of any such events. When i called 911, I got to know that my car was repossessed. Being fresh out of college and being an XXXX, i was not aware that something like this can happen. I called the dealer and they said because payment was not made from 3 months, they have taken your car. I told them that i was under impression that autopay was setup by dealer as I gave my card details for the same. I even told I have money to payoff my car loan in just one shot, then they asked me to pay around {$1200.00} to get my car out of the tow company. Dealer and the honda finance said they tried to contact me via phone but i never received any call. 
I have an email where I clearly stated that " please correct my phone number as in all the finance papers it's incorrect '' and i got also asked for the updated papers. The email i got in return from the dealer was that they will correct it in the system and everything will be fine. Because they did not update the correct number, Honda financial services were calling me on incorrect number. 
Honda financial services had my address to pick up the vehicle, illegally tailgating and dragging my vehicle out of gated community without informing, but how come they could could not send a mail regarding the same. Also, if they were reaching out to incorrect number, why they did not reach out dealer to get the correct number. 
My only fault was to not check my account balance that whether {$330.00} is getting deducted from my account or not. How come this shows I have abad credit and I am unable to pay any amount. I do not want to take all the blame, honda financial services and XXXX  XXXX both are equally responsible for my credit hit. I do not want to take a credit hit for something which was not completely my fault. After i got to know the payment was not set as auto pay, i did set an auto pay and everyone can see that i have not missed even single payment in last 3 years. I just want the late payment credit hit removed from my credit history as it was not completely my fault.
Product: Credit reporting

In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. And Portfolio Recovery did not respond to the initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. And Portfolio Recovery has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Portfolio Recovery has not removed the XXXX accounts in question from my XXXX reports and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I also have proof that I reached out to them with certified letters to them and the credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why are they not responding to my correspondence or supplying me something with my signature. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Portfolio Recovery with filing legal suit against them.
Product: Credit reporting or other personal consumer reports

XX/XX/24 Re : Per Previous Complaint XXXX Submitted on XX/XX/24 Dear CFPB Representative : I submitted a complaint against XXXX XXXX XXXX XXXX XX/XX/24. XXXX responded with false information and the CFPB " closed '' the complaint without giving me the opportunity to respond to XXXX 's false and incorrect information in their response. 

Please give me the opportunity to provide a response with evidence and documents proving and correcting the false information in their response. 

I am submitting a signed and notarized Affidavit sworn in the XXXX XXXX XXXX and am submitting it to this new complaint as my verified response to XXXX 's false information. 

Additionally, I have mailed a physical copy of this Affidavit to your XXXX office via XXXX XXXX Mail No. XXXX XXXX XXXX XXXX XXXX XXXX which was deposited on XX/XX/24. 

Thanks so much. 

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

Transunion has ignored my request to delete inaccurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Transunion. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : TransUnion is showing ACC. # XXXX from XXXX XXXX TransUnion is showing ACC. # XXXX from XXXX TransUnion is showing XXXX XXXX XXXX from XXXX XXXX XXXX is showing ACC. XXXX XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions