23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This account has been remitted. There should no longer be any reporting from this company nor do I currently have any loan. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 ; company has also No permission to report anything using my info pursuant to 15 usc 1681 4. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ).
Product: Credit reporting or other personal consumer reports

I want to be unequivocally clear : this tradeline is not reported in accordance with the FCRA guidelines, which require that all information on a credit report be accurate and complete. This entry does not accurately represent my financial history and is in violation of the law. By failing to report this tradeline with maximum possible accuracy, you are causing harm to my credit report, which in turn negatively impacts my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that I was in fact paid on time. 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/2019 XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX the account # 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

ALTISOURCE/ XXXX XXXX DID A HARD CREDIT PULL WITHOUT MY AUTHORIZATION ON XX/XX/year>, IT IS REPORTED ON XXXX XXXX XXXX AND XXXX
Product: Debt collection

I talked to XXXX XXXX and XXXX XXXX about a debt they claimed I owed to XXXX XXXX XXXX. 

I did not know I can dispute debts with XXXX, and when the collections Agency called they didn't ask to verify that the debt was mines they just assumed that the debt was mines. 

I paid the debt because I had no idea how collections worked and how much of a deceptive business it is. 

On the phone, the collections agency agreed that if I pay this {$260.00} amount, I would be able to open an account with XXXX again and the agency agreed that I would have my charge off removed from my account. 

I paid the {$260.00} and called the collection agency for months before they actually made any updates on the charge off. 

When they made remarks to my credit report, they didn't even report the balance as fully paid and so I called them again to fix it. 

The agency finally decided to reflect a balance of {$0.00} left on my charge off, but the agency never removed my charge off from my credit report. The agency also did not tell XXXX that I paid an extra {$40.00} to unban my XXXX account. The agency just kept the money and I had lost access to the only credit union account that I ever had. 

This charge off from a XXXX XXXX  made it where whenever I applied for any credit union banking accounts, I was immediately denied. 

These collection agencies are allowed to perform practices which are very deceptive and just downright lie with confidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Equifax breach, Equifax gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.
Product: Mortgage

We had a line of credit with Suntrust Bank in 2005 for {$140.00} and we refinance our house to paid off the line of credit, we sent the payment to Suntrust, but we still getting charge for {$140.00},, please help me. 
Thank you XXXX
Product: Checking or savings account

XXXX Capital One has not deposited my direct deposit in my account. The money was scheduled to be deposited on XX/XX/year>, however there has been no update and transactions are unable to process.
Product: Debt collection

I've checked my credit report and see a company named NATIONAL CREDIT ADJUST High Balance {$480.00} Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of Last Activity XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was unaware of this debt, IXXXX didn't have the opportunity to dispute this debt/information, I did not receive proper notification. If in fact this collection agency believes I was given proper notification, then please send me the certified receipt with my name on it-my signature. 
The Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection item on my consumer report. This omission of validation information is a direct violation of my rights and has negatively impacted my credit standing. 
Despite the regulations stipulated in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This lack of due process further compounds the unfairness of the situation and violates my rights as a consumer. 
It has come to my attention that the Collection Agency is engaging in false, misleading, and deceptive practices. Such actions are unacceptable and constitute a breach of consumer rights. I demand that these deceptive practices cease immediately.

Additionally, the Collection Agency is furnishing information to consumer reporting agencies without providing the necessary disclosures required by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This practice is a clear violation of my rights as a consumer and must be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPEEDING TICKETS, I contact the company to explain that SPEEDING TICKETS I had in the past from long time ago, passed the status of limitations, not supposed to be in my driving record any more. 


company XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains errors with late payments inconsistent with my record. Kindly update these discrepancies.
Product: Debt collection

My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ; I contacted Equifax to attempt to dispute my credit score suddenly dropping due to me paying off my credit cards. I had to purchase a credit report for {$15.00} to discuss why the sudden change to my score. The agent was unable to explain why my score decreased by 10 points. After about 45 minutes of holding I was transferred to another agent who attempted to assist me and after asking me 10-20 different questions about my profile he proceeded to tell me he could not access my profile. The previous agent was able to access my profile and see my credit report, the escalated team could not. What's puzzling is I was able to pay to see my credit report, but couldn't access my report due to their unclear security questions. I was then transferred to a supervisor who also could not access my account or answer my question as to why my score dropped. It almost appears as if they were trained to avoid the customer 's request for any information. 

Their security feature is flawed and those questions are not set by the consumer therefore its almost impossible to answer them all correctly. The simple response of its " for the protection and security of my account '' is false due to the fact Equifax accepted my payment for my profile which the first agent was able to access. Then when I began asking questions about my credit score they could no longer answer my questions. These actions appear to be very deceptive to deny a consumer the right to dispute incorrect information. 

My chief complaint is regarding my credit score dropping which appears to be a common theme among the 3 credit bureaus and Equifax is no different. I'm also requesting that on my not be inaccessible to me particularity when I am paying for their service! 

I am requesting my credit score points of 12+ points be returned to my credit score as I should not be penalized for paying off debt. This also contradicts the information on their website that maintaining a low credit usage helps improve your credit score. This is false advertising and misleading. 

I have attached a list of other consumers who have complained about this false and misleading information. 

I was on the phone with the agent for almost two hours with no resolution. I'm hoping
Product: Credit reporting or other personal consumer reports

have Disputed several accounts with the Credit Reporting Agencies for numerous inaccuracies and they have not been removed and According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, XXXX are CRAs and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, Equifax, XXXX are the financial institution and the Consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, Equifax and XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Acct Name : XXXX Acct # : XXXX To Whom It XXXX Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time!

Furthermore 15 USC 1666b ( a ) ( 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
Product: Debt collection

I have not lived in XXXX  since XXXX. I live in XXXX  and this is impossible because the date shows it was opened in XXXX. I would like to have this removed from my credit report as it is falsifying wrong information and inaccurate. There is a copy of my license from Indiana and I was at that address since the end of XXXX. Wasnt in XXXX  at the date thats being submitted and reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Product: Credit reporting or other personal consumer reports

IN XXXX OF 2023 ROUNDPOINT MORTGAGE TOOK POSSESION OF MY MORTGAGE FROM XXXX MORTGAGE. I REQUESTED FOR MY ACOUNT IN XX/XX/year> TO BE PUIT IN AUTO PAY IN WHICH ROUNDPOINT CONFIRMED TO TAKE EFFECT IN XX/XX/year>. NO PAYMENT WAS TAKING OUT AS PROMISED. ONCE NOTIFIED THAT MY PAYENT WAS LATE I MADE PAYMENT. ROUNDPOINT THEN REPORTED ME AS 30 DAYS LATE HAVEING A NEGATIVE EFFORT ON MY CREDIT. XXXX CURRENTLY PURCHASING A HOME AND CHARGED MORE INTREST AAND LARGER DOWN PAYMNET.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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: Debt collection

I just received another bill from XXXX XXXX XXXX represented this time by Transworld Systems Inc. ( just change debt collection agency ) For the amount {$23000.00}. Account number XXXX ( SLMSA ) (, and account # XXXX ) this is my social security number.In addition they send my information including my Social Security #, in a plane envelope, while the the contents could be anywhere compromising my identity.Again, It has been 13 years this loan is from XXXX. California Statue of Limitations is 4 years. ( Cal.Civ.Pro.Code 312 te seq ). I file Bankruptcy in XXXX, and this account from XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report and I don't have any XXXX XXXX XXXX. 
This is now became harass, two different collection agencies send me bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous ReptgXXXX Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive Ally Finan I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of dispute. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

CapitalOne is aiding PII data of XXXX to be stolen by using unsecure ways to request SSN card information. 
I have joint XXXX account with my daughter. She received an email on XX/XX/year> ( file attached ), to upload SSN through embedded email link otherwise the account will be closed. Branch office at XXXX XXXX XXXX XXXX, XXXX, VA XXXX told me that email was valid, and provided no option to upload SSN through online portal or in branch. My daughter did not upload the documents through these unsecure channel for fear or data getting stolen. 
CapitalBank closed the account on XXXX but sent email on XXXX that all my daughters account were closed. 
I got an email from CapitalOne my XXXX account was closed. 
Neither me of my daughter received any information in email on when to expect the closing balance, and how the money will be sent. We need it for emergency. 
I went to the XXXXXXXX XXXX XXXX, and pleaded the money be sent through secure XXXX  or tracked USPS mail. The branch manager refused. 
CapitalOne tried to scam my daughter to upload the SSN Card, so it could get stolen. 
All I am asking is for CapitalOne to send the amount securely through XXXX, so I can get my money back. 
As of now I do not know when I will get the money. 
This is plain harrassment. 
I was told at the branch office if it is stolen then they will investigate, which takes sometime, and will reissue it after 90days, that is a whole 4months from now. 
CapitalOne has caused a lot of stress for us by withholding information, witholding our money, refusing to send it to us through tracked mail.