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

The week of XX/XX/18 I was unable to get my free annual credit report from Equifax. I knew there was incorrect information on it from another credit monitoring service which is able to access my Equifax information. 

I was able to submit a dispute at some point that week. I received an email from Equifax with the report number and a link to view the results of the dispute. However the same problem persists in that I am unable to view any information about my credit or the result of the investigation. All paths on their service lead to an error saying that my correct information does not match their records ( see attached screenshot ). This leads me to believe that their information on me is incorrect in some way if I can not access it. I am reasonably sure the information I am providing is correct as I can access my credit at other companies. I reported the error to them but was unable to reach them as the email is unmonitored.
Product: Money transfer, virtual currency, or money service

I transferred money from my XXXX to CashApp hoping to put on my bank card ( XXXX ) but CashApp doesnt support XXXX I tried to transfer it back to XXXX I did this on a Tuesday, its said my money should be back on Thursday it was not. It is now Saturday
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXX XXXX. It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX  so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXXXXXX XXXX  sold the debt can we have report XXXX balance.
Product: Mortgage

I am a Massachusetts XXXX. 

On XX/XX/XXXX I was the settlement agent for a closing at XXXX XXXX XXXX in XXXX, Massachusetts. 

The lender was Fairway Independent Mortgage Corporation ( NMLS ID # XXXX ). 

On XX/XX/XXXX I approved the lender 's CD. 

I closed using the agreed upon CD and disbursed funds accordingly. 

The next day I was contacted by XXXX XXXX. She works in the lender 's post-closing department. 

( Her address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MA XXXX. Her direct line is XXXX. ) XXXX informed me that the CD signed at closing was not the final CD. 

The numbers were accurate. However, the lender intended to send the CD again labeling it " Final ''. 

I informed XXXX that I could have such a CD signed and sent back to her by the end of the day ( XX/XX/XXXX ). 

She refused. 

Instead, she insisted that the loan re-close. 

This will cause serious financial hardship for the borrowers. 

I ask that the CFPB investigate the matter. 

Closing documents are often resigned after closing and it never requires the loan to re-close.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint # XXXX Submitted on XX/XX/XXXX Dear CFPB, I am writing to address the response from TransUnion dated XX/XX/XXXX, concerning my complaint regarding unauthorized credit inquiries. While TransUnion has acknowledged my concerns, their response fails to resolve the issue adequately or comply with the Fair Credit Reporting Act ( FCRA ). 

Key Issues : XXXX. Failure to Verify Permissible Purpose TransUnion advised me to contact the companies directly but did not provide evidence of permissible purpose for the disputed inquiries. Section 604 of the FCRA explicitly requires that inquiries must be supported by documentation proving permissible purpose. If TransUnion can not verify this, they are obligated under Section 611 to remove the inquiries from my report. 


XXXX. Inadequate Investigation The response indicates a lack of thorough investigation. My complaint and supporting evidence made it clear that I did not authorize these inquiries. XXXX duty as a consumer reporting agency is to contact the furnishers of this information and obtain proof of authorization, not to redirect the burden to me. 


XXXX. Retention of Unauthorized Inquiries While inquiries remain on reports for XXXX years, this timeframe is irrelevant if the inquiries are unauthorized or unverifiable. XXXX refusal to remove them despite the absence of validation undermines the FCRA 's intent to ensure accuracy and fairness. 



Requested Action : I request the following actions be taken to resolve this issue : XXXX. Provide documentation from XXXX and XXXX XXXX XXXX demonstrating permissible purpose for the inquiries in question. 


XXXX. Remove the disputed inquiries from my credit report if such documentation can not be produced. 


XXXX. Confirm the removal of any unverifiable information and issue an updated credit report reflecting these changes. 



If TransUnion continues to fail in providing the required documentation or removing the unauthorized inquiries, I request the CFPBs intervention to ensure compliance with the FCRA and to protect my rights as a consumer. 

I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

TRANSACTION IS BANK OF AMERICA TO BANK OF AMERICA XXXX FROM CLIENT WAS DEPOSITED ON XX/XX/XXXX FUNDS WERE DEDUCTED FROM CLIENTS ACCOUNT - in the meantime ... our account showed the check on a pending hold... on XX/XX/XXXX funds showed deposited XX/XX/XXXX again they were put on hold customer service and bank officers at XXXX XXXX XXXX do not have an explanation as to why the funds were reversed and the funds are on hold for another XXXX to XXXX hours. Bank of America is showing funds are paid from my clients account. 
this is NEGLIGENT AND AND STOPS THE FLOW OF BUSINESS WITH MY CLIENTS AND VENDORS TO BE PAID WE ARE OVER THE AGE OF XXXX AND ALSO STOPS OUR DAY TO DAY INCOME. 
BANK OF AMERICA IS VERY FAST IN CHARGING MISERABLE XXXX A MONTH WE HAVE XXXX BANK ACCOUNTS WITH BOA XXXX OF THEM BUSINESS. ENOUGH IS ENOUGH I STILL DO NOT HAVE AN EXPLANATION XXXX OF MY XXXX TRANSACTIONS WERE ALSO PUT ON HOLD FOR XXXX DAYS EACH ONE FOR XXXX AND ANOTHER ONE FOR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Equifax disputing inaccurate and invalid accounts on my credit file. Equifax received the letter on XXXX XXXX, XXXX.Within 30 days I received a letter from Equifax saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Equifax asking for method of verification and proof of verification. Equifax received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Equifax stating the exact same thing as the first letter. The letter said the accounts have been verified. Equifax did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Equifax asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Equifax stating again that the accounts have been verified. How can Equifax say that they verified an account and not provide information on how the accounts was verified? How can Equifax be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Equifax can report inaccurate information onto your credit file without proper verification as long as they are paying Equifax. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Thank You
Product: Debt collection

From various numbers over the last week I have been contacted by several numbers from Midland Credit Management, this is for a debt owned by my spouse prior to our marriage. 

They have previously made false and conflicting statements over the phone, and took adverse action against my separate property a move they had to be forced to reverse. 

My spouse, was never properly served or given notice about this judgement until last year. 

We are willing in good faith to negotiate a settlement based off the original principal, however we are not willing to entertain the interest given their history of false representation and violating California law by taking action against separate and protected property. However, their history of false representation makes it difficult to take this company at their word. 

This is our third claim against Midland, please see, XXXX XXXX XX/XX/2019 XXXX and XXXX ( XX/XX/2019 ). I had to file the second complaint to get them to agree to follow the resolution of the first complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report confirms BANK OF AMERICA Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX  XXXX  Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by Bank of America. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.
Product: Credit card or prepaid card

Cardmember Service/Elan Financial Services XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX sent me a letter on XX/XX/2023 indicating that they were closing my credit card " in accordance with the terms of the Cardmember Agreement ''. I called several times ( XXXX XXXX XXXX is the number ) during the month of XXXX culminating in a final call with a XXXX named XXXX at her number XXXX XXXX XXXX on XX/XX/2023 who told me the same message that I have been getting all along : the card was cancelled in accordance with the cardmember agreement. NO one has been able to tell me why. I just want a reasonable explanation. I have always paid the card balances over the many many years I have had the card and I use the card almost exclusively for every expense I have. The cancellation will be a huge imposition as it has been entrenched in my financial life for every form of payment and service. I locked my credit a decade ago so applying for another card will be next to impossible. Furthermore, the card provides cash back and i spend in excess of $ XXXX with business travel on this card. I don't understand why it was cancelled and no one at Elan will give me a good reason.
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 Account Name : XXXX XXXX  Account Number : XXXX and 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

On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither XXXX, XXXX  or Experian actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither XXXX, XXXX  nor Experian used proper investigative methods to verify the accuracy of the account from the very beginning.
Product: Debt collection

I Checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$2700.00} Classification -- Type legalitems
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer credit report and noticed fraudulent accounts and submitted an FTC report for this identity theft. I am in the middle of purchasing a house so I demand these fraudulent accounts be removed because they are holding me back since they are increasing my debt to income ratio. I am simply demanding they be removed, but I know monetary compensation is owed to me for this false reporting.
Product: Consumer Loan

I purchased a car in XX/XX/2014 XXXX XXXX during the time of purchase I found out the car was register to me and another person in New jersey. I never received the car title of this car. Its states on the car fax report that I never even had the vehicle. DMV states that the car was still registered to someone else in New jersey as well as the XXXX History report. at the time when I bought the car. I had the car for about a year I took it to the shop for repairs I was n't able to get the car out the shop so I car shop I guess sold the car I call to check on the car and the car was no longer their. Pinnacle Finance company is now trying to sue me for the car XXXX dollars explained to them I no longer have the vehicle and I do n't know where it is at this time I am finding out that the car was n't still registered in someone else name of the time I had the car never receive the title. Also the car history does n't even show that I had the car registered in md what can I do please me thanks.
Product: Student loan

On XX/XX/XXXX, I called EdFinancial and requested a refund on my student loan account for my most recent payment of {$21000.00} made on XX/XX/XXXX ( during payment pause. ) I was assured that this request was confirmed and the payment would be refunded. I called back on XX/XX/XXXX because no activity is showing on my account. I was advised that a refund will take 150 days. This is not reasonable.
Product: Debt collection

This debt has been re-aged and is illegal under the FDCPA and the FCRA. This is is illegal under the FDCPA and the FCRA. I did not have any procedure done in  XX/XX/XXXX . The procedure was completed  XX/XX/XXXX , which is passed the statute of limitations in Texas and uncollectable at this time.
This collection agency is reporting on my credit report. I do n't have any executed contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.
Product: Debt collection

My wife signed a lease where we were insured that there was a Military Clause. We toured the property together in like mid XX/XX/XXXX and they copied my ID. My wife signed the lease on XX/XX/XXXX which is clear even on the paper they sent us to prove that there was no Military Clause and the had no idea I was going to the Military, but the Lease copy they sent us has a Military discount. Also I left late XX/XX/XXXX to report to a hotel to meet my recruiter and was sequestered at a hotel to wait for all the other recruits. On XX/XX/XXXX I was starting my first day of basic training in the XXXX. So there is no way that I was in XXXX at all. Even the debt collector said our names were written in different color ink. But he " handwriting expert '' says the signature on the lease looks like the signature on my ID. She sent us the paper and what it is, and what it looks like is someone trying to copy my signature. I sent the collector proof of my orders that specifically show that I never signed a lease or even lived there. I went straight from basic training to XXXX to being XXXX in Alaska at XXXX XXXX. My problem is that falsifying my signature made that whole contrast null and void.
Product: Credit reporting or other personal consumer reports

There was Fraudulent charges on my XXXX XXXX XXXX XXXX  From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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

To whom this may concern, I have taken a look at my credit report and notice several inaccuracies and wrongful reporting with a 3rd party debt collection company named XXXX XXXX. They are reporting a debt stating that I owe them {$420.00}. I have never conducted business, signed a contract or agree with any terms with them. I sent them a debt validation on XX/XX/2023 certified mail asking them to provide me documentation of the debt they claim that I have with them. I NEVER had a contract with them. I never gave them permission to report anything on my credit report. They stated they collecting a debt from a company named XXXX XXXX BANK XXXX XXXX. They sent documents that is pointless and didnt prove anything. They didnt send anything with my signature, they didnt send a contract, they didnt send anything besides a print off of some statement. To make matters worse, another company that they are working with called XXXX XXXX XXXX sent me these papers on behalf of XXXXXXXX XXXX. Im confused at this point because it seems like this company is all over the place and cant provide any documentation and my information is getting passed around on this CLAIM DEBT. If they purchased debt from XXXX XXXX BANK XXXX XXXX, that has been written off that is illegal. They lied about investigating it and removing it from my report is noncompliance with the FCRA laws. They are furnishing information without my written consent. When I was looking at my credit report they are reporting information wrong across ALL THREE BUREAU. Im entitled to a 100 % accurate credit report. 
1st Transunion and XXXX is reporting the collection account OPEN and XXXX is reporting it as closed. How is this possible? How can a collection account be OPEN? FCRA violation 2nd XXXX is reporting this account as being Late 120 days for the payment status. How is a charge off collection still reporting a late payment status? FCRA violation. 
XXXX XXXX and XXXX is reporting a PAST DUE balance. Charge off collections shouldnt be reporting past due balances. Correct? FCRA violation 4th Why isnt the original creditor listed on XXXX and XXXX? 
5th The dates of last activity, date reported and date open has different dates all across the board.

6th The document of the claim debt they sent me the account number doesnt match on my credit report.

I can list several reasons of the inaccuracies of this account. As a consumer this is slandering and Im entitled to a fair accurate credit report by law. I know my rights. Im demanding for this to be removed from my credit report. Im also attaching evidence to support my claims. Please see the attachments. 
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. There shouldnt be damages on my credit report. Its a defamation to my character.

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 consent.

15 U.S.C 1681g
Product: Credit reporting or other personal consumer reports

I am formally requesting in this complaint to update the account in my credit profile that is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
Experian : XXXX XXXX Date opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX : XXXX XXXX XXXX Date opened : XX/XX/year> XXXX Balance : {$0.00}. In addition please provide evidence that the account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccuracy on this accounts information as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Experian responded to a dispute, through this CFPB website stating they had ADDED MY NAME AND ADDRESS to my report, but the dispute that was sent to them certified mail and also disputed on This site was there should be ONLY 1 variation of my name and ONLY 1 address listed for me! As adding to already listed incorrect information doesnt resolve a dispute issue! 

According to 15 USC 1681 Accuracy and Fairness, has been violated again! 

Please correct my information as you cant not be accurately resolving any other disputes that I currently have if you do not have the correct personal information, are you guys actually doing thorough investigations? Identification is uploaded to the Experian app and was sent with my previous dispute via certified mail.