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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an intial dispute back in XXXX asking for an reinvestigation of my consumer reports for items that were reporting incorrectly. To date, XX/XX/2023, I have yet to receive any updates on that dispute. It has been almost 60 days since that dispute and according to the FCRA 15 USC 1681, this dispute was to be conducted within 30 days and that did not happen which is in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 30-90 DAYS 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. 


XXXX XXXX XXXX XXXX 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! 


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

TRANSUNION is reporting fraudulent items to my credit report. I have been a victim of identity theft for the past XXXX  years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account Number:XXXX ), Original creditor : XXXXXXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$760.00}. XXXX XXXX XXXX ( Account Number : XXXX ), Date Opened : XX/XX/XXXX. XXXX {$2600.00}. XXXX XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$1500.00}. XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$0.00}. XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX {$4700.00}. XXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$85.00} I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
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 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

The three credit reporting bureaus ( EquifaxXXXX XXXX  and XXXX  ) require me to mail highly personal documents such as a copy of a Social Security card, birth certificate, and driver 's license in order to place a freeze on my daughter 's credit reports. I can place a freeze online for myself, but for some reason they make it more difficult and significantly less secure for me to do it for her. I'm worried about something happening to the documents as they cross the country. It's very insecure to have to mail these documents. I thought they were required to allow me to do it by phone or online. Is this not the case?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I regret to notify of how disturbing it is that you select not to solve my Identity Theft issue due to an apparent error or significant fact misrepresentation. What power do you have to decide what constitutes relevant facts? You are not a judge, you are not a juror, and you have no right to any of these things. The Federal Trade Commission ( FTC ) mandates complience with the law when it receives an identity theft report about identity theft filed by a law enforcement agency ( in this case, the FTC ). I believe that involving law enforcement is an essential measure to ensure a thorough investigation and resolution of the matter. I am committed to assisting law enforcement agencies in any way necessary to facilitate their inquiries. Account : XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX 

I trust that your organization will take this information into account and cooperate fully with any law enforcement inquiries that may arise from this matter. If there are any further actions required from my end to support this process, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax Information Services LLC 's ( Equifax ) repeated failure to respond to my inquiries, as detailed in complaint IDs XXXX and XXXX. Equifax has consistently avoided answering my direct questions regarding the identity of the creditors responsible for unauthorized address changes on my credit file. Specifically, I request that Equifax disclose ( 1 ) the creditor who initiated the false and unauthorized address change on XX/XX/year>, which altered my address to an out-of-state location, and ( 2 ) the creditor who initiated the false and unauthorized address change on XX/XX/year>, which assigned my credit file an unserviceable building address without a unit number. Despite multiple disputes filed under complaint numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, Equifax has repeatedly failed to provide the requested information, which is critical for me to take further appropriate actions. Attached to this complaint are my W-2 form and a recent utility bill for identity and address verification. I urge the CFPB to compel Equifax to provide the requested information promptly. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have a late payment showing on my XXXX 's account back on XX/XX/ 2017. I've made several attempts to have them remove that late payment. I've had several problems submitting payment using their website. I don't recall having a late payment on this account. This is the only late payment I have on my credit report. I have several revolving accounts and XXXX  's account is the only account who has caused me problems submitting payments in the past and most recently. I'd post-dated payments to this account over the phone to avoid having this issue again.
Product: Mortgage

My home mortgage loan is with Pennymac, and for two consecutive years their escrow/servicing department has paid my homeowner 's insurance premium late resulting in cancellation of my hazard insurance. Then, to further demonstrate their inability to manage escrow accounts, Pennymac force places hazard insurance to cover the lapse in coverage caused by their failure to pay the premium on time. This is an unacceptable practice and has the potential to cause significant consumer harm. Lender placed insurance is more expensive than what I pay privately. Also, the lapse in coverage and lack of payment hurts my good standing with my insurance company. Pennymac apparently lacks controls and has established a pattern or practice of escrow mismanagement because this has happened to me two years in a row. Imagine how many other consumers this Pennymac is harming because they lack the knowledge and expertise to manage their customers ' escrow accounts. Pennymac 's servicing department should be scrutinized and subject to enhanced examination by their regulator, and if warranted, they should take actions to correct their complete lack of controls and provide remediation for harmed consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with Experian for years now ( XXXXXXXX XXXX  account # XXXX ; XXXX XXXXXXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX acct # XXXX ) I have sent numerous letters asking for these accounts be investigated and if verified show proof of their right to post those accounts on my credit reports ( my last letter was report # XXXX on XX/XX/20. ) I have showed indisputable proof from the IRS and Social Security Office that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. Experian continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have these fraudulent accounts on my credit reports.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  XX/XX/XXXX
Product: Debt collection

I am writing to express my extreme dissatisfaction and urgency in addressing a critical matter that requires your immediate attention. It has come to my attention that there is a fraudulent account tarnishing my credit report, and I demand an aggressive and immediate deletion of this erroneous entry. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit.

Im very confused why this one seems to ignore my requests. The presence of this fraudulent account on
my credit report is not only an inconvenience but a blatant violation of my financial security. I refuse to accept any delays in rectifying this situation, and I insist that you take swift action to remove this fraudulent account without further delay. 

Details of the fraudulent account are as follows : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

The presence of a fraudulent account on my credit report poses a serious threat to my financial well-being, and I will not tolerate any further delays in resolving this matter. Failure to comply with this request will leave me with no choice but to escalate this issue through legal channels to protect my rights. 

I insist that Experian treat this matter with the utmost urgency and professionalism. I anticipate your immediate attention to this issue and a satisfactory resolution in the shortest possible time. 

I expect your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are and have been violating my right to privacy. I HAVE NEVER GIVEN WRITTEN AUTHORIZATION TO REPORT, PERIOD. AND WHY MY RIGHT TO PRIVACY IS BEING DENIED NEEDS TO BE PUNISHABLE BY LAW In addition they, by, laws passed by congress are to, EXCLUDE things on what they can report.

SEE RULES AND DEFINITON ACCORDING TO : 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of mistaken identity. My father and I have the same name and there are many of his accounts on my credit report. After 45 days, I have pulled my credit reports from two of the credit reporting bureaus Experian, XXXX and these accounts that do not belong to me have not been removed from my credit reports. 
Experian accounts to be removed : XXXX acct:XXXXXXXX Date opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID No Close date ; Reporting 7 derogatory late payments XXXX acctXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID NO CLOSE DATE ; Reporting 5 derogatory late payments XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX NO CLOSE DATE ; ACCOUNT STATUS : CLOSED Reporting 1 derogatory late payment DIVERSIFIED CREDIT SYS acctXXXX ; date opened : XX/XX/XXXX NO CLOSE DATE ; Account status : closed XXXX account to be removed : No account name listed Acct : XXXX date opened:XXXX No Close Date ; Reporting 19 derogatory late payments No account name listed; acct : XXXX Date opened : XX/XX/XXXX ; account status : closed I am also including a copy of my drivers license and proof of address and current credit reports showing the above information.
Product: Money transfer, virtual currency, or money service

-- -- - Forwarded message -- -- -- -- -- Good morning my name is XXXX XXXX, I would like to file a complaint, please allow me to explain. I was to receive a wire transfer, I got me XXXX, Certificate of deposit and my receipt of the transfer, now the problem is your bank included a refund of XXXX and now since my documents shows for XXXX and not the XXXX, I am not able to get my inheritance and your bank will not fix this mistake they made. On XX/XX/2024, I sent XXXX as I was asked to do by your bank, only to receive another email stating that your bank will not fix this problem. I have all documents for the beginning. I was told to send the XXXX and I would receive my documents but yet again I was lied to. I asked for my funds back since they will not be used to correct the mistake your bank made but was told I would receive my XXXX back after I receive my funds. I WANT TO FILE A COMPLAINT AGAINST DEUTSCHE BANK XXXX!!!!!! I have all communication from beginning til now on this matter. This is just part of my documentation also have receipts of the money I have sent from the beginning. The attached email received helps to support what I am talking about as just the starting point of my complaint. If need be I will also contact our news station to tell my story and present all my documents to support how your bank will not honor their word and fue this mistake they made.. Your bank know putting that XXXX in would hurt me since my other documents state XXXX not XXXX. 

Thank you XXXX XXXX I do have all documents and receipts of the funds I have paid and what it was for with the responses from Deutshce Bank. 
Please can someone help e with this matter?

YXXXX XXXX : Search, Organize, Conquer Hide trimmed content XXXX XXXX : Search, Organize, Conquer Hide trimmed content
Product: Checking or savings account

While banking with Navy Federal I was charged overdraft fees that shouldnt have applied to me cause if my account to be in the negative for a very long time which then ended in them closing my account.

The same thing happened with my business account as well..

I was doing repayments just to keep it but the amounts were to high and I had to stop making payments.. They only allow me to have a savings
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 Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

An audit of the " Account 's '' XXXX shows wrongfully interference on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C? & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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. XXXX CFPB- XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I want reported account removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which was paid off in full being reported as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a natural person and consumer, have been a victim of Identity theft. XXXX XXXX, Equifax, and XXXX have stolen my Identity and furnished numerous accounts on my consumer report without my written instructions. These companies have Defamed my CHARACTER also caused me and family financial damage. 

Please delete these accounts IMMEDIATELY!