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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 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. 


XXXX XXXX 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 XXXX! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX I went to XXXX XXXX because I needed a reliable car. I spent approximately 6 hours at the dealership that day, at one point leaving to pick up my XXXX XXXX XXXX at preschool and returning. I still had not seen the XXXX XXXX XXXX that I was informed would be the only car I would qualify for. At 7 pm, desperate to get out of there, go home and fee myself and my son, I was told the paperwork was ready to sign and I would be on my way. I had no idea what I was getting into, who the loan was through or even what the car looked like!! I felt like i had no other options at this point so I signed the papers and went out to see the car I had just agreed to pay $ XXXX for 48 months@29.9 % interest rate. I was sick to discover this car was going to need new tires among many other things. I felt like there was nothing I could do so I did my best to make the payments but it was impossible. On XXXX/XXXX/XXXX I contacted Credit Acceptance to explain what was going on and try to get lower payments by removing some of the add on packages that are very unnecessary. Unfortunately, instead of being able to do anything I intended, the woman was extremely rude and wanted to know where I was, where the car is at, what times I leave because they 're looking to take my car. I was told that if I could not come up with over {$800.00}, my car would be gone. She then suggested I borrow the money. I have no one to borrow money from so she said I needed to come up with at least {$410.00} by the end of the day. I ended up overdrawing my account to avoid my car being taken away while I was grocery shopping. I was transferred to another woman who wanted to withdraw another {$410.00} in 3 days. my requests to lower the payments, remove packages or anything to help make the payment affordable were just flat out ignored, not even acknowledged. They are completely unwilling to hear why I am unable to pay an outrageous amount for a car that is not even close to being worth that. They want to repossess the car and that is it. I want to keep the car, pay for it and improve my credit but this company is definitely not helping with that in any way at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting or other personal consumer reports

do not solicit your fraudulent products to me. delete all information you have on me. never contact me again. Carvana, LLC is a licensed lender, NMLS # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.
Product: Checking or savings account

Td Bank send us a letter dated XX/XX/2023 explaining when they open the account on XX/XX/2023 until closing the account on XX/XX/2023 and that they would be contacting the maker ( XXXX ) XXXX telephone XXXX of the check deposit of {$38000.00} to have them file a claim to send the funds back to them. We have reached out to the maker and they inform us they have not received any letter or phone pertaining to file a claim to get the funds return. The maker has provided their direct compliance department contact information to get this matter resolved. This information was provided to Td Bank in the branch ; as the branch manager emailed this information to their fraud department. And yet it's been about 5 months and we have yet to receive our funds back from TD Bank. As they stated they try to contact the maker and no answer and the maker states they having receive any communication with TD Bank. The maker is requesting information how to file the claim to request the funds back to them and still no answer by TD Bank.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered several inaccuracies and unauthorized actions that require immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). Specifically : Inaccurate Late Payment Reporting : My accounts with XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX are inaccurately showing late payments. These reports are incorrect, and I am requesting that they be updated to reflect paid as agreed/never late, in accordance with 15 U.S.C. 1681i, which mandates a thorough investigation of disputed information.

Debt Validation Issues : Regarding the XXXX  account, I have requested full validation of the alleged debt under 15 U.S.C. 1692g ( b ). Without proper validation, including proof of my signature on the original agreement, this item must be removed from my credit report. 
Unauthorized Hard Inquiries : My credit report contains several unauthorized hard inquiries from entities such as XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These inquiries were not authorized by me and must be removed as they violate 15 U.S.C. 1681n, which addresses liability for willful noncompliance with federal law. 
Incorrect Personal Information : My credit report lists an incorrect address, " XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX. '' This information is not accurate and must be deleted under 15 U.S.C. 1681i.

I expect Equifax to fulfill its legal obligation to investigate these issues thoroughly, correct any inaccuracies, and provide me with written confirmation and an updated credit report within the 30-day timeframe stipulated by the FCRA. Failure to address these matters promptly and accurately may result in legal consequences for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o.
Product: Debt collection

An individual who describes himself as " Mr. XXXX '' of XXXX XXXX   keeps calling my daughter both at her home and at her work place and refuses to stop calling even after she has advised them that I do not live at that place, nor do I work at that place and that I do not receive telephone calls at the numbers that " Mr. XXXX '' is calling. When my daughter does answer the phone, and after she tells the caller that I do not live there, that the phone number is not my telephone number, the caller nevertheless tells her he is calling regarding a debt and that I must return his call immediately. When she does not answer the call, he leaves a voice mail message that identifies me by name and leaves the following message on her voice mail ( the message below has been forwarded to me by my daughter from her smartphones translation of the voice mail ) They call my daughter at her home at least twice every day. 

" This message is for XXXX ( last name appeared in the voice mail, but has been removed by me ) and relates to your business with XXXX. Itwould be  in your best interest to call me with the name of your attorney and their phone number. If you're not being represented by an attorney. I highly recommend that you contact me directly so we can discuss your situation and the options that are available. I will be in my office today until XXXX XXXX Pacific Standard Time and I can be reached at XXXX extension XXXX. If I do not hear back from you today XXXX I'll have to assume that you have no intention of contacting my office and I will proceed with actions that will directly impact you. Once again my phone number is XXXX. '' ... more. Please listen to your voicemail for the remainder of this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

( Unidentified Company ) XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I received a large envelop which included the closed account of the TJX Rewards Platinum Mastercard XXXX which was terminated officially by Synchrony Bank at the end of XXXX, and I received the refund from this Bank already XXXX This envelop had the replacement statement of credit card, which original I had received and kept as the record. I had never asked to send the replacement statement from this unknown office, possibly those who related with credit card section of Synchrony Bank. I regret that you just mentioned on the cover-letter as Customer Service XXXX Since this is the second time to send this letter, which states the statement was issued and sent to my place upon my request or loss of mails. Clearly, I have not requested the replacement letters from your office. And already, I expressed that I had not requested and not lost my billing statement, which was closed officially. Therefore, your action which you printed out and mailed without my consent itself was considered the illegal obtainment of the personal information. Especially, current situation that your company might have act in the part for the identity theft, this action might be questionable ; therefore, I will report this to the public organization for the investigatioXXXX. Also, you have mentioned that impersonate of mine, XXXX XXXX, stated that the mail, which had the bill, were not delivered. Since I also had the difficulties to receive the certain mails due to some issues caused by the postal personnel ( s ) or some reason, I will mention there might be some questionable acts among the postal personnel ( s ). I request your company not to issue any more replacement statements. If your company will do again, I just report your action to the necessary public organizations for the investigation. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPB Findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Merchant refunded my purchase but the credit wasn't showing up on my Chase card. Chase customer service department did not reply to my request of investigation. There was a dispute open, and its case ID was XXXX.
Product: Credit reporting or other personal consumer reports

Transunion to give an accurate investigation on XXXX on my credit report. The account reporting open every month. How was this account verified? This in regard to XXXX XXXX XXXX and XXXX XXXX XXXX. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ). PURSUANT 15 USC 6802 ( B ) I Nerlande Volcy, hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. How was this account verified? By who?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX XXXX XXXX  when I applied for a {$55000.00} auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX XXXX XXXX  due to the response I received. XXXX XXXX XXXX  is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I. the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have received a collection from southwest credit systems involving a XXXX account but I have never had a t-mobile account or any phone from XXXX XXXX my information was involved in a data breach in XXXX XXXX XXXXXXXX ) and I have had multiple unknown inquiries and attempts to open accounts without my authorization. This is not my account please delete from my credit profile immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them 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
Product: Credit reporting or other personal consumer reports

It keep refreshing on my credit every month as a new car loan when its been closed for over a year and some. The address on the loan is inaccurate I have t lived at that address since I was XXXX. The XXXX XXXX XXXX, XXXX XXXX XXXX is the wrong address. The place it says I got the car from is incorrect and its not in my possession anymore but they keep refreshing it on my credit as if its a brand new loan which is blocking me from building my credit up. Wells Fargo is breaking 15 U.S. Code 6802
Product: Mortgage

I am submitting this Complaint against PHH Mortgage. I sought to refinance my mortgage loan, which they declined after XXXX months of giving me the runaround. 

First, the process extended for approximately XXXX ( XXXX ) months, as they continued to lose documents and request that I send the same documents over and over again. Second, I believe that because the interest rates have risen over the last XXXX months, following the XXXX interest rate increase, PHH improperly denied my application so that the company would not have to stand by the lock in rate that had been guaranteed. 

In the meantime, I have lost the ability to refinance at the lower interest rates and have been harmed by their conduct. 

I initially applied for a refinance loan in XX/XX/XXXX. I sought to finance {$230000.00} XXXX taking {$20000.00} in cash ). They had an appraisal done in XX/XX/XXXX, which came back at {$710000.00}. 

In XX/XX/XXXX I sent back the whole packet with all the paperwork requested. Then there were constant requests for more paperwork, more tax papers, etc. and I constantly had to re-send the same papers over and over that were overlooked or lost. This continued for approximately XXXX months. Over the last few weeks, the underwriters came back with request for more paperwork and documents. 

It appears that some of the considerations and reasons indicated by the underwriters are improper. First, the underwriter notes that my income is XXXX XXXX. Under XXXX XXXX and XXXX XXXX, creditors are supposed to consider XXXX XXXX income and not discount it. 

Second, although Regulation XXXX states that creditors should consider XXXX years of employment, PHH seemed to require that I worked at the same place for XXXX years. That is not appropriate. 

I have been harmed by the delays and the eventual wrongful denial by PHH and seek to be made whole.
Product: Credit reporting or other personal consumer reports

Hi, I have had a creadit score around XXXX for over a year now. ( adding report attached ) I recently submitted a dispute through XXXX regarding what I believed to be the biggest reason why the score was not hitting XXXX, which was a false claim from AMEX/XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. 
Today, I receive a notification from XXXX that my score decreased XXXX points. 
I suspect this is either an error or a result of actions of retaliation post my dispute either by XXXX or the AMEX account. 
.I was not offered information in regards to the decision either. I look forward to your help. 
I have worked very hard to build my score and this is beyond unacceptable. 
Thank you so much