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

Inaccurate information continues to appear on my credit report despite multiple attempts to have it corrected. I am filing this complaint against XXXX, XXXX, and Equifax because they have failed to address these inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ). 

The credit bureaus have violated the FCRA in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported on my credit file when it should have been removed based on the legally required timeframes.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have failed to properly reinvestigate the disputed items and did not provide adequate documentation to support the continued reporting of this information.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit reporting agencies did not follow reasonable procedures to ensure the maximum possible accuracy of the information on my credit report. 

I am requesting that the CFPB investigate these violations and ensure that XXXX, XXXX, and Equifax comply with the FCRA by removing the inaccurate information and addressing the procedural failures described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX both responded with verified without providing verification information. Contacted them both via Certified mail on XX/XX/2022. The tracking number is XXXX and XXXX. 

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. 

XXXXXXXX XXXX XXXX XXXXXXXX {$5200.00}, XXXX XXXX XXXX XXXX {$450.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} 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

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) US DEPT OF EDXXXX acct XXXX XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX.
Product: Credit card

I had a charge for XXXX and change placed on my card in XXXX, I immediately called the bank when I got my statement to report fraud. They took the complaint but still the charge remains on my account and they charge me monthly interest. I have never heard from them despite numerous calls to them being placed on hold for up to XXXX minutes. When I ask where we are after 90 days i am told its under investigation. When I ask what steps and measures have been taken I am told that is confidential? 

I am thoroughly disappointed and disturbed to be treated this way but more so concerned that Truist bank can get away with this.
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 XXXX debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts : XXXX XXXX XXXX. {$400.00} ; XXXX XXXX XXXX XXXX XXXX. {$300.00} ; XXXX XXXX XXXX  XXXX {$11000.00} ; XXXX XXXX XXXX  XXXX XXXX {$180.00} ; XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX {$1000.00} & {$500.00}
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue concerning fraudulent personal information linked to my identity. Several accounts and transactions have been falsely attributed to me without my authorization or awareness, causing me considerable anxiety and hardship. I have fallen victim to identity theft and have already taken steps to report this incident to the appropriate authorities. 

This situation demands immediate attention as it has severely impacted my financial stability and personal reputation. I respectfully request your full cooperation in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary documentation to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer 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 Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following accounts I demand to have removed XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX/ XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have owed a total of {$270.00} for a loan to the company Moneylion but I have an investment account with the company with the amount of about {$390.00}. 

The company Moneylion never paid/refund me the remaining of my investment totaling in the amount of {$110.00} - {$110.00}. 

On XX/XX/2019, I have written the XXXX that the company was reporting inaccurate things on my credit report. I did not follow up because I was waiting to see if anything change so I can have more evidence on the company. 

On XX/XX/2019, I have spoken with a representative about the account and he explained that if I didn't pay the remaining of the loan it will be deducted out of my investments which that is what I wanted anyway because I started to get the feeling that this company was a scam and I have seen many complaints that the company doesn't like to pay the investment. I was told that if I made a payment today I could withdraw my investments and it would take about 3 business days to receive the funds. But, I ask what if I didn't pay the remained since my investment has a higher balance than the amount owed on the loan. He replied I would be deducted from my investment and that would take a little time and the remaining would be sent to my bank account on file. 

I explained to the representative that I no longer trust Moneylion with bank account because they have tried to collect more than the money account and constantly sending multiple checks with different amounts to my bank account. I have not authorized Moneylion to  deduct any money from my bank account and they still sent a check to my account. 

Moneylion was only supposed to be sending me the remaining amount left after deducting the loan amount of {$270.00}. 

On XX/XX/2019, the company wired {$380.00} from my account. Yes, I was informed that my account was going to be LIQUIDATED due the email received on XX/XX/2019, saying NOTICE OF LIQUIDATION AND SURPLUS OR DEFICIENCY but I was not refunded the remaining of my balance anywhere between {$110.00} - {$110.00} as promised buy the representative I have spoken with back on XX/XX/2019. 

As of today XX/XX/2019, the loan is showing paid. My investments are withdrawn and nothing was returned. The balance in my investment is {$1.00}. My credit report is not updated with accurate information. 

This company has done too much to me and the misuse of my bank account and trust.
Product: Debt collection

I had a solar loan on my rental property, my tenants were to pay the monthly payment and failed to do so. The company would call them regarding the default instead of me even though they had my information. My my account with them was then charged off. I have brought it current with the the company it was sent to. If they would have called or notified me in anyway this would not of happened. 
They said they sent letters however they did not sent these to my address they sent it to my tenant As soon as i found out about this I immediately contacted them then the agency they sent it to and brought it current and am setting up re payment with the collection company as I don have any choice as far as i can tell Also the original lender had my name incorrect and i contacted them several times and they never changed it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to XXXX  on XX/XX/XXXX, to place an fraud alert on my credit profile. There were unauthorized inquiries on my report. They handled the situation, disputed the items, and also placed an alert on my profile. Also, I was assured that I would receive a phone call before any pull will be made.They also assured me that the fraud alert will be placed on XXXX   and Equifax 's bureau. Months later its still happening. I recently found out i was a victim of Equifax 's Data Breach back in year XXXX. I have had no credit activity until several months after the data breach. My information was compromised. I have alot of inquiries on my report from someone trying to obtain credit accounts in my name due to Equifax 's Data Breach. I have not been able to access my report through Equifax 's Bureau. One of them hung up on me. I cant Obtain any information regarding the complaint. I have asked that any hard Inquiry that was placed on my account in the past 17 months be removed, as they were fraudulent and not authorized by me. I couldn't even get them to place a security freeze on my account. I have given them all necessary documents and still nothing. I am asking that they remove all fraudulent activity as referenced above. The only Inquiry that was made by me was XXXX XXXX, nothing more.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( 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 XXXX ( 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 XXXX 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, credit repair services, or other personal consumer reports

Ongoing issue with outdated XXXX account on my Transunion credit report. I submitted absolute, undeniable proof, multiple documents showing a previous date the account was to be removed. Trans Union ignored my documents and asked XXXX for verification of correct information. XXXX verified the info was accurate They have as proven fact, changed dates & data to keep this account active. This is fraudulent has costed me exorbitant expenses including jeopardizing my employment. This is a clear violation of FACT ACT, TRANSUNION has proof but refuse to correct the issue. XXXX refuse to update their metro 2 report as required by Federal law. I have attached multiple reports with the same date of removal. XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding Complaint # XXXX. 

1. Experian has failed to send me an updated copy of my consumer reports.

2. Experian claims that it is unable to complete my request, while they simultaneously updated and verified these accounts per Report number XXXX. If Experian needs more information to reinvestigate my dispute, how did it update and verify the negative information on these accounts? 
4. Please send me the method of verification for this dispute so that I can know who you spoke with to verify and update the information in my dispute, and fully understand the information you used in order to do so.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

I had a credit card with Bank of America for many years. It was on automatic debit so that each month the amount of the entire bill was authorized to be deducted from my checking account. According to a recently received credit report for me Bank of America reported that I was thirty ( 30 ) days late with a payment due in XXXX of 2018. If the payment was late it was not due to my error as there was an automatic debit agreement in effect during this time.
Product: Credit card or prepaid card

Credit Card balance was charged off and nothing is due as of XX/XX/2018. Balance is XXXX. This needs to be taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

i demanded that the following accounts be removed from my credit report : Debt recovery solutions account # XXXX, debt recovery solutions account # XXXX
Product: Debt collection

On or about XX/XX/2010, Capital One and there Agent Attorney XXXX XXXX XXXX, filed a fraudulent case against me without giving me any NOTICE of the alleged debt. I was never served. The case set on Maryland XXXX for XXXX YEARS and then the submitted and Affidavit Judgment. I have never received any notice and was never served. Why did the case just set on Maryland docket without any activity? This is fraud and i request an investigation into this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I never had any late payments, I'm not sure why it's shows that I'm being late The consumer reporting agencies need to report all information with complete accuracy. 
this account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/23 and XX/XX/23 I'm now requesting to investigate and provide verifiable proof with records showing that I had late payments. 
If the information can not be verified I demand these payments to be updated to paid on time immediately. 

Account name is XXXX XXXX # XXXX Thank you
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. 

Account Name : XXXX XXXX   Account Number : XXXX has violated my rights. Or a 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: Vehicle loan or lease

I have already filed a complaint with you all about this. Toyota Financial is still saying I owe them {$200.00}. Now they are saying I made partial payments which is not true I will submit my itemized statement and bank statement. They are not being honest and I am not going to pay this. I will reattach my statement and my bank statement and you can tell me where I made a partial payment. This has been a nightmare!! I go on their website to get the pay off so I can get a different loan and it won't let me on. This company has some of the WORST reviews on XXXX and I want to be free of them. PLEASE if you can see where I owe them the {$200.00} I will pay it. I've been told that I missed XXXX, XXXX & XXXX payment. Then the next person told me that I miss XXXX which I actually paid the end of XXXX. I have not got the same answer or a straight answer from any of them. I now got a notice from their collection department. This is not right and because they are a big company they think they can get away with it. But they have messed with the wrong person!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am worried because Kia I feel is reporting inaccurate information on my report and want them to double check this.
Product: Credit reporting, credit repair services, or other personal consumer reports

No action taken by XXXX XXXX after I was referred to the fraud department. They took my name number and account info and never followed up and the negative item is still on my account. They never conducted an investigation even after they told me they would do so. 

Transunion credit bureau took my disput complaint and never contacted me again.
Product: Money transfers

I believe paypal is scamming me. A few months ago I made some purchases on ebay and used PayPal to purchase items. After quite a few purchases I started receiving bills in the mail from PayPal for paypal credit. I did not sign up for this service and expressed that to them but all they would do is cancel the service. My bills from them are stacking up. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bull City has been reporting inaccurate information my credit report. Further than that they have sent me mail disclosing personal medical information that was never supposed to be sold to a third-party or a Third-Party creditor at that. 

The Fact that i am medically insured alone is what makes me feel vulnerable about going to the hospitals and receiving operations because they may still sell my information to complete strangers which VIOLATED MY HIPPA RIGHTS.

I have disputed these accounts on many occasions on one occasion i recieved the response I attached to this Complaint
Product: Debt collection

XXXX XXXX does not know XXXX. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.