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

I ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. Experian and XXXX  do not see my XXXX  open accounts as existing, XXXX  reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called Experian and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with Experian directly. Calls to XXXX  were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.
Product: Money transfer, virtual currency, or money service

Company will claim to have no record but proof was sent in previous complaint to the co-conspirator companies XXXX XXXX AND XXXX XXXXXXXX XXXX They were ALL SENT registered TENDER via the United States Post Office with delivery conformed from the US Postmaster. The company when called denIed receipt of my Security Instrument and I have made 2 other follow up calls and 2 other follow-up emails which the company has denied being in receipt thereof. The instrument value is {$110000.00}. for settlement of purchase order for collateral automobile with vin # XXXX. IXXXX  have previously sent the US Postmaster confirmed delivery and have filed with the Inspector general about this mail fraud and the companies stating they did not receive the presentment tendered.USPS HAS CONFIRMED TRACKING and DELIVERY TO ALL ENTITIES, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report, which are addressed under 15 USC 16c-2. These inaccuracies are damaging my creditworthiness, and I never gave permission for the listed inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in a data breach. These are fraudulent accounts and i would like to have them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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

I submitted a complaint last XX/XX/2023 and companies involved responded. Some items were deleted but some are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXXXXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Please tell them to close my account, ive contacted them 100 times through phone support and direct message and its still open thanks!
Product: Credit reporting or other personal consumer reports

My account with NAVY FCU was never late! I have had exceptional payment history with NAVY FCU and all payments were placed on Autopay. 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 XX/XX/year> to XX/XX/year> 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. 


NAVY FCU 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: Debt collection

On XX/XX/2021 I sent Second round Sub LLC a debt validation letter. They received the letter on XX/XX/21. On XX/XX/21 they sent me a buckle bill. On XX/XX/21 I sent a failure to validate letter and they received it on XX/XX/21. They are still suing me and reporting a debt damaging my character.I emailed XXXX XXXX at XXXX XXXX to try to resolve the matter for XXXX $ but I noted that this is not me acknowledging or accepting the debt.
Product: Checking or savings account

Overdraft me service times on reoccurring charge that they were supposed to close..
Product: Credit reporting, credit repair services, or other personal consumer reports

About 3.5-4 years ago I contacted XXXXt to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a XXXX, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft in XXXX. I had the block put on my credit report.
Product: Vehicle loan or lease

I endorsed the monthly statement and attached coupon for the car which made it an asset-backed security and sent it back to the Westlake financial securitization department via registered mail and it was received over 30 days ago. I have received no response from Westlake at all. This should have been discharged/paid off by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

hXXXX XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are reporting an account that is incorrect. The account in question is XXXX XXXX Acct # XXXX I have previously disputed the same information with Transunion and XXXX and they alleged to have verified the account but XXXX was unable to and removed the account. It is quite clear that neither business can verify the information but instead make claims to have verified the information since from the beginning I have stated that this account was fraudulent. I never signed any contract with this business. This is my last attempt at trying to save us all money before this turns into a civil lawsuit which you will lose because no one will verify this information under penalty of perjury. I will seek default summary judgement because this is my attempt at trying to work this out. XXXX I have already sued you in court and awaiting award.
Product: Debt collection

On XX/XX/2022 XXXX resorts at XXXX, XXXX XXXX XXXX, Consumer credit attempted to a unlawful detainer in XXXX XXXX court, however, the case was dismissed. The court ruled in my favor, demonstrating XXXX refused rent tender. XXXX then made up false charges and submitted me a collection agency that failed too investigate avidly. The amount owed is a false charge.
Product: Credit card

I sold a XXXX minibike with a new XXXX engine for {$730.00} USD on PayPal ( transaction ID XXXX ). After 2 months of use, buyer ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ ) filed a chargeback with his credit card company stating that the minibike was " not as described ''. The credit card company then proceeded to notify PayPal ( case # XXXX ) of the chargeback for {$350.00} USD ( not sure how that value was arrived at ). I was never offered the return of the minibike and the transaction occurred well in excess of XXXX miles from the billing address ( buyer lives in NJ while seller lives in NC ) I responded in writing on 2 separate occasions to PayPal 's requests for information and never received a written reply from the buyer or his credit card company. I can prove that the item was delivered in excellent condition ( as described in emails ) and that buyer used the minibike on several occasions. Buyer damaged minibike during personal use and then stated that the minibike was " not as described. '' PayPal has never shared the name of the credit card company that brought this dispute nor have they been willing to cover this transaction with their " Seller Protection '' that they advertise. 
Buyer contacted Seller ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by email and requested to purchase minibike for {$730.00} USD. Seller told Buyer that it was solely his responsibility to ship minibike from NC to his place of residence in NJ. Buyer agreed. Buyer contracted with a XXXX company to ship the minibike. When the minibike arrived at the buyers home he wrote, " No ... it looks good. It was a little dirty from the transport but I wiped it down real good. It looks great. One of the brake cables is right in the way of the left foot pedal and I 'm afraid it 's going to get tangled/pulled. Might have come loose during transport. I 'll tie it back to something. Other than that, all is well. It 's gorgeous! '' Note that the minibike arrived dirty and wet with damage that occurred during transport. 
Today, PayPal sent an vague email stating that the credit card company found against me with no additional information. I am unable to get any help from PayPal or anyone for that matter.
Product: Checking or savings account

I signed up for a new account with a checking account bonus. I met the requirements for the bonus and still have not received it.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unverified Debts on Credit Report by TransUnion and Third-Party Debt Collectors Dear XXXX I am filing a formal complaint against TransUnion and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, TransUnion has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law.

Details of the Accounts and Collection Companies : 1. XXXX  XXXX XXXX {$290.00} 2. Credit collections {$570.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to TransUnion and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with TransUnion, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, TransUnion has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues : TransUnions failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ). The illegal collection practices by the aforemen
tioned third-party debt collectors attempting to collect debts I do not owe.

The removal of these accounts from my credit report if proper verification is not provided.

An investigation into whether these companies have violated federal regulations, including penalties if applicable
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX XXXXs past 7 years on both accounts. XXXX XXXX XXXX  XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Upgrade Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month  they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Debt collection

On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to Radius Global Solutions. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX I received an email from Radius Global Solutions claim. 


On XX/XX/2022, XXXX XXXX of Radius Global Solutions claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT Radius Global Solutions. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX  statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to Radius Global Solution as my payment was made in FULL on XX/XX/2022. 
I informed Radius Global Solutions that I will be contacting XXXX XXXX bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) Radius Global Solutions Email to Customer
Product: Debt collection

Transworld is trying to ILLEGALLY collect on a debt that was already paid. They are in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts ; it's illegal for them to try to collect on a debt that is no longer owed. XXXX XXXX XXXX had previously owned this debt for XXXX at XXXX for the amount of {$640.00} to which I paid them in a settlement. This needs to be removed from my credit report as this debt was already settled with the previous company who owned it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my consumer credit report and noticed illegal reporting of accounts are being reported. These accounts go against my rights pursuant to 15 USC 1681 and 15 USC 1692. By law any accounts reporting in fruad shall be according to 15 USC 1681c-2 and the mere reporting of these accounts have damaged my general reputation