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

I sent a letter to Transunion on XX/XX/2022. It has been well over 30 days, I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) Transunion have 30 days to respond. 

This is a violation of my rights : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.

( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. 
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).

( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZED THESE INQUIRIES 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXX {$0.00} XX/XX/XXXXXXXX Balance {$630.00} XX/XX/XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX Balance {$1300.00}XX/XX/XXXX XXXX Balance {$5000.00} XXXX XX/XX/XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX 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 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 XXXX  days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 or credit management

Ive been trying to fix my reasons Jp Morgan chase bank did not pay the insurance in XX/XX/XXXX. In XXXX I finally got the insurance company to give me the electronic invoice. That was sent to chase bank. I was not aware of this coverage and Ive been trying to get to the reason and why was was it not enough for my home snd my upgrade and money was not covered I had to pay out of pocket and I believe the attorney and agent were working together to keep my home end my partner retirement account she worked 29 yrs. And now shes homeless and her money is gone. And she was a XXXX XXXX needed a few credits. She was having problems with the teacher and shes was complaining on the teacher of abuses : My brother was my realtor and the application snd loan do not look like mine and I believe you have copies. I was left with out insurance and the lender started forclosure in XX/XX/XXXX. I paid XXXX with in two months with XXXX  and its been like this since. My family are attorney and they i approve of my relationship. I ve always always took care my self til I meet XXXX in XXXX. I really feel for her cause she s been through a lot snd she does believes what they say and want her gone far away. I did not speak to my family for years after my XXXX and they things they were saying and doc not support or I did not know til doctor told me and my sister XXXX. Im in foreclosure and sales on the 5 of XXXX. I believe that the servicer believes the false documents. And dont even know were they came from.
Product: Credit reporting or other personal consumer reports

This is my third formal dispute against Experian regarding its continued reporting of a fraudulent XXXX XXXX. account, despite my prior disputes and requests for corrective action. Experians failure to respect my opt-out request for sharing and reporting this account constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ) under its Privacy Rule ( 16 CFR Part 313 ) and the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ). XXXX did not provide me the opportunity to opt out, and by continuing to report the account, Experian is perpetuating privacy violations under federal and state laws. Under the GLBA, I have the right to opt out of sharing my personal financial information with third parties. Experians failure to honor this request and ongoing reporting of inaccurate and disputed information violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681c and 1681s-2, which require the accurate and timely reporting of consumer information. Moreover, the reinsertion or continued reporting of this fraudulent account without proper notice violates FCRA section 1681i ( a ) ( 5 ) ( B ), which mandates that consumers be notified of any reinserted information after a dispute. This failure to correct errors, combined with the ongoing sharing of personal financial information without my consent, directly contradicts Experians obligations to ensure maximum possible accuracy as required under FCRA section 1681e ( b ). Additionally, these actions contribute to identity theft-related harm under 15 U.S.C. 1681a ( q ) ( 3 ) and show noncompliance with the CFPBs regulations on dispute handling and consumer protection under 12 U.S.C. 5531. I demand immediate removal of the XXXX account from my credit report and cessation of unauthorized reporting. Failure to act promptly will leave me no choice but to escalate this matter, including filing complaints with the CFPB, state authorities, and pursuing legal remedies for damages under 15 U.S.C. 1681n and 1681o. I expect a written response within 14 days confirming the removal of the account and outlining the corrective measures taken to ensure compliance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( ( XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion and XXXX for their failure to respond to a dispute letter I sent in XXXX, XXXX, regarding inaccuracies on my credit report. Their lack of response and failure to provide notice of investigation or method of verification constitutes clear violations of the Fair Credit Reporting Act ( FCRA ).

1. Violation of FCRA 611 ( a ) ( 6 ) : Under FCRA 611 ( a ) ( 6 ), credit reporting agencies are required to provide the consumer with a notice of investigation and the results, including the method of verification, within 30 days of receiving a dispute. Despite my dispute letter sent in XX/XX/2024, neither TransUnion nor XXXX has provided me with any notification of their investigation, nor have they informed me of the method used to verify the disputed information. 

XXXX. Continued Reporting of Inaccurate Information : Both TransUnion and XXXX  have continued to report inaccurate information on my credit report without providing any justification or validation for doing so. This has resulted in continued damage to my credit score and hindered my ability to obtain credit, which has caused financial and emotional distress.

3. Entitlement to Damages : Under FCRA 616 and 617, I am entitled to seek damages for willful and negligent noncompliance with the FCRA. I am requesting {$1000.00} per violation due to the harm caused by their failure to investigate and correct the disputed information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

In XXXX of XXXX, Quicken Loans closed a cash-out refinance with us. We signed our closing documents, funds were disbursed to our account, and we were scheduled to make our first mortgage payment in XX/XX/XXXX. 

In late XX/XX/XXXX, we became aware that our prior lender XXXX XXXX XXXX XXXX  had not been paid off. 

We have been cooperatively working with Quicken Loans toward resolution of this matter for the last six weeks, and theyve been giving us the runaround. 

Most recently, weve been pressured to move forward with a second refinance. The loan figures do not appear to be accurate, and the terms of the proposed refinance do not seem fair. The proposed refinance includes costs for interest incurred on funds that Quicken has held since the beginning of this process and late fees assessed on a loan that was never completed while weve still been making payments to our current lender, XXXX XXXX XXXX XXXX. 

We feel that Quicken Loans has been mismanaging this resolution process, and has arguably been deceptive in their approach to fixing their mistake. 

We have spent countless hours on the phone, reviewing documents, identifying errors, and requesting corrections often to no avail. 

More details are included in the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to his day over 60 days later I have not received a response yel I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting FRAUD on my social security number. On XX/XX/ ( Saturday ), I visited the XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX to open an XXXX XXXX account. I went into a branch bank at the request of XXXX XXXX telephone customer service as a prerequisite to opening an XXXX XXXX Account. My credit score is XXXX per XXXX. Once inside the bank, XXXX XXXX refused to open up the account because they allege their system is reporting FRAUD with MY SOCIAL SECURITY NUMBER ( citing multiple names on my social security number ). I informed them that is incorrect, and instead of the branch manager CORRECTING AND BLOCKING THAT ERRED INFORMATION she refused to open the checking account. 

XXXX  XXXX XXXX cops were called, and AN IDENTITY THEFT REPORT OBTAINED ( TRACKING NUMBER XXXX ). I AM DIRECTLY REQUESTING THE CFPB BLOCK THE ERRED INFORMATION XXXX XXXX HAS ON FILE PREVENTING ME FROM OPENING UP AN OPPORTUNITY CHECKING ACCOUNT. MY CURRENT CREDIT REPORTS WITH THE 3 CREIT BUREAUS ( XXXX, XXXX, AND XXXX  ) ARE NOT REPORTING THE INFORMATION XXXX XXXX FALSELY ALLEGES. 

THE CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, IS REFUSING TO DO THEIR JOB VIA BLOCKING THE ERRED INFORMATION AND THEY ALONG WITH XXXX XXXX NEED TO DO THEIR JOBS AND STOP INTERFERING WITH MY FINANCIAL ( SAFETY ) FREEDOM. 

PLEASE NOTE THE UPDATE TO CFPB COMPLAINTS XXXX FILED XX/XX/ ( SATURDAY ) : XXXX XXXX bank is interfering with the processing of Checks disbursed by Georgia XXXX XXXX XXXX XXXX, XXXX, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, XXXX writes the checks from a XXXX XXXX bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM  OF XX/XX/XXXX-THURSDAY XXXX XXXX WHERE I SUSTAINED SIGNIFICANT XXXX XXXX, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY XXXX IN IN ARREARS REIMBURSING ME {$15000.00} FOR treatment resulting from XX/XX/XXXX-Thursday XXXX XXXX, and currently XXXX   owes me {$15000.00} ( PRIOR {$12000.00} ) and have FAILED TO DIRECTLY COMPENSATE ME. 

There lackadaisical attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THESE INQUIRIES... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/20 my credit cards were restricted. I called in on XX/XX/20 and spoke with employee named XXXX he advised to send in front and back copy of my authorized users ID and a copy of their social cards. XX/XX/20 I called back to confirm again what was needed with XXXX. I sent the docs in. XX/XX/20 employee XXXX called in while I was on a call and I told her I would call back nothing was discussed with her. I called back XX/XX/20 and spoke with XXXX which she advised all of my documents were verified and I only needed to resend my daughter Mi'Kala social security card. I resent that in. XX/XX/20 employee XXXX noted my account that XXXX XXXX social security card was received. I did not talk to her. XX/XX/20 I spoke with XXXX which he advised all docs were not received and I now I need to also send docs in for previous authorize users that I don't even have contact with he also verified that XXXX did note that all I needed to send was XXXX XXXX social security card but he claims she gave me inaccurate information. I requested a manager on XX/XX/20 and spoke with XXXX. I explained to her what XXXX advised me and why I can't sent the additional info in. She advised that she would figure out how she can help me and she would call me back but she never did. XXXX never called but she noted in the notes that all I needed to send in was XXXX XXXX Drivers license only which were sent in. XX/XX/20 XXXX only noted docs needed but did not specify what documents. I spoke with another supervisor on the executive response department in XXXX that gave me another list of documents that need to be sent in I explained why I couldn't send those docs and asked her to have someone over her to call me back but she never had anyone else call. XX/XX/20 I spoke with supervisor by the name of XXXX which she gave me a long list of documents that I needed to send in which many of the things she mentioned were already verified that they were received by other associates throughout this process. I'm beyond embarrassed but I explained to XXXX the authorized users that I can no longer get information for is my abusive ex husband and his family members. I can't believe Capital One would want me to open up that can of worms contacting him and his family and potentially get abused again. Every single time I spoke with someone they gave me different information than the person before them. I had 2 credit card accounts with Capital One so far they have closed one which has effected my credit score and the other one is still restricted. I have been cardholder for a very long time with this company and I have NEVER been late on either of the credit cards and normally I pay the entire balance off each month.
Product: Debt collection

On XX/XX/2019 XXXX XXXX XXXX, XXXX starting to report a derogatory collection tradeline to my credit report which has to be In result of identity theft this account reporting on my credit report has absolutely tarnished my more then perfect credit score as long as my overall report they have been reporting a past due balance on a month to month basis which is not supposed to be done I am demanding for the collection tradeline to be deleted from my credit report on all credit Bureaus, I am urging for this collection tradeline account to be permanently removed from my credit report within the next 30 days I will be attaching supporting documents in order to show how its reporting to my credit report and how awful it is affecting my credit score and overall credit report.
Product: Student loan

My student loan servicer is Aidvantage. 

I have submitted multiple rounds of paperwork to switch my payment plan to the XXXX plan, which I qualify for. I submitted my most recent tax return, as well. It has been months since I sent the submissions, and they still have not updated my payment plan to the XXXX plan. All the while, my loans are showing as past due while collecting interest. 

Now I am trying to contact them via phone, and they are clearly intentionally blockading all incoming calls from borrowers under the guise of being overburdened. I have tried calling them numerous times during their hours of availability, and every time I am met with a robotic voice that tells me they are too busy to take calls. There is not even an option to wait for a representative. It just skips to the robot voice giving me irrelevant options, which are the only options. 

I simply can not make meaningful contact with this company. What am I supposed to do, file a lawsuit? Why hasn't the government taken care of this? Is it intentional? Is there a certain branch of the government that is trying to intentionally blockade borrowers from switching their student loans to the XXXX plan? What else could it be? Isn't the company vetted by the government to be a quality service provider?
Product: Credit reporting

XXXX XXXX XXXX IS REPORTING FALSE INFORMATION ACCT XXXX I HAVE NOT EVER LEASED FROM XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that 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 which I don't convey to Portfolio Recovery 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

No consent is IDENTITY THEFT
Product: Payday loan, title loan, or personal loan

6 months ago i emailed self lend i needed to hold on a month before i deposited more into the savings. i then ran into the covid 19 issue.
Product: Debt collection

I sent a debt validation letter on XX/XX/2019 to Credit Collection Services to validate a debt they have on my credit report. Instead of validating the sedentary they sent a health insurance claim form. This is not my debt and they have been able to provide any documentation with my signature.