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

To whom it may concern, I want to address the below that the Credit Bureaus are not doing their job!

Section 611 ( a ) ( 6 ) ( B ) ( iii ) Provision of Dispute Results to Consumer : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer. 

Several disputes have been sent to XXXX, XXXX and Equifax and they do not respond whatsoever and it's getting out of hand. Can they respond to my dispute request today? 

See attached disputes mailed out and I have mailed them out again.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that res from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of ide theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATIO Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAI Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer agency WRITTEN CONSENT to report anything on my consumer report which viole rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As Likes I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I paid {$60.00} to open a bank account online with BB & T. I got an email, after they took my {$60.00} and all my information, stating that I needed to go to the office and verify my address. They made me pay {$50.00} more to open another account because they could not find the account I opened online with the {$60.00}. They said that it is XXXX fault and not theirs. I have talked to the manager at the BB & T in XXXX, AL and talked to the lady who opened my XXXX account named XXXX XXXX. She says over and over that it was not {$60.00} but {$50.00} and that she has sent a fax to regions bank. XXXX XXXX has been very rude to me and probably because I 'm on XXXX. She now says I have to call her back regarding an issue she has with me. I 'm just going to change banks but I need the {$60.00} that was taken from the XXXX XXXX account before I leave. Please help me!
Product: Credit reporting

After disputing with equifax the validity of a mark on my credit report from XXXX, it was determined that the report was incorrect due to fraud. it was removed from my report on XX/XX/XXXX. I went on my report today and this is back on my report. Equifax has never sent me a letter of reinsertion within the 5 days required by law and has now broken the law by having this account relisted on my account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XX/XX/XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XX/XX/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: Payday loan, title loan, personal loan, or advance loan

The company lied about the balance due. They received my payment and saying they did not receive it. The company stopped replying to my emails. I paid the remaining balance.
Product: Debt collection

since XX/XX/XXXX i have sent letters to verify my supposed collection that is only being reported to XXXX. in my last letter dated XX/XX/XXXX i have attached proof of my account summary from XXXX  showing i dont have collections being reported.
Product: Debt collection

As I was checking my credit score, I noticed I had XXXX derogatory mark and as I took a look at the information, it said that XXXX had put an account in collection for {$500.00} with Amsher Coll. This had been going since XXXX  2016 as it shows in my report. I have never opened a XXXX account in my life. I called the XXXX company since I found out about this collection in XXXX by looking at my report, I called them like 3 times in XXXX or XXXX and gave them my social security number so they could find an account with my information and they could not find any information related to me so I called the collection company and they said the same thing my social did not match any collection account, so how is it that I have an account in collection and they want me to pay the money if they can not even find my information? I also never got a paper with account information from XXXX or the Amsher Collection Services to my residence, I only know about them because I check my credit score once in a while. Also, they could not able to provide me with information as to who to contact to get rib of this degoratory mark from my credit score as the amount owed does not belong to me! I sent a request to the XXXX on Monday to see if they can resolve this peoblem as all my credit card amounts are being affected by this problem as they are being lowered and so my credit score its  decreasing as well.
Product: Mortgage

Made an electronic payment to Ditech Mortgage on XXXX XXXX 2016. My banking institution shows a payment yet on XXXX XXXX my Ditech account still does not show the payment received. Ditech customer service says it may be processed later today. How many days do they need? They are the worst mortgage company I have ever dealt with. I have XXXX other mortgage companies I deal with ... no problems at all with the other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Collection Account XXXX XXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.
Product: Student loan

I received an email inviting me to submit an application of school misconduct on the basis that I'd previously contacted my servicer ( Navient ) about discharging XXXX private loans opened during the period of time that I attended XXXX XXXX  ( i.e., XXXX  XXXX  ) in XXXX XXXX. XXXX subsequently closed due to being found guilty of defrauding and misleading the public about their job placement rates and amount of money their students would earn compared to students attending other schools. My application was denied stating that I did not meet criteria to have my loans discharged. I contacted Navient about getting a better explanation of the criteria that I did not meet. After several rounds of contacting them, I was finally furnished a letter which stated their was no evidence that I was harmed despite me submitting evidence that my federal loans opened by this school was fully discharged based upon my attendance during the years that XXXX XXXX was found guilty of misleading practices. The school that I attended used high pressure tactics to lure me into XXXX private high variable rate loans that I have been stuck paying on 20 years later and have not defaulted on because I am conscious of my credit. The loans that I opened were approximately XXXX, and XXXX respectively. Today, I have a balance greater than XXXX, yet Navient says there is no evidence of harm. Navient decided to forgive student loan debt for certain XXXX XXXX borrowers but only if they defaulted on their loan. I was not apart of that group because my loan was current. I have attempted to get someone to contact me to help with me appealing the denial. The contact phone number to the Navient Client Advocacy team is never answered by a live person. It is a voicemail box that requires borrowers to leave a message and wait for someone to call you back. This almost never works out if they call you back at all. I have been attempting to resolve this issue for a few months. I think the decision was baseless and unfair. Navient has already demonstrated their awareness of the fact that XXXX XXXX defrauded borrowers with loans that they service ; however, they are unwilling to do the right thing by borrowers who continue to pay on these bad loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled to see that the Accounts I have been disputing were not corrected after acquiring an updated copy of my Credit Report. I have been sending countless letters to the Credit Bureuas urging them to correct the accounts from erroneous reporting, however, I am disappointed to see that the Credit Bureaus have done nothing. The last letter I sent to the Credit Bureaus on XX/XX/XXXX requests that the Items I believe report inaccurate information must be corrected. The Credit Bureaus never responded to the Letters I previously Sent before XX/XX/XXXX which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1200.00} Date opened XX/XX/XXXX THE BANK XXXX XXXX XXXX Balance {$200.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1800.00} Date opened XX/XX/XXXXXXXX XXXX
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX  Credit report XXXX credit report. Experian XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Consumer Loan

Today Ally financial sent and order to XXXX XXXX repose my XXXX Chrysler 300 it was parked in my Mom 's Garage. The tow truck backed into the garage to put the vehicle on the hook and my Mom was standing behind the car in the garage and he continued to back up, my mom could have been hurt. I still have not received correspondence regarding my account or their intention to pick the vehicle up. Every since I got this vehicle Ally has been verbal abusive with their collection practices and very hard to work with. I have been unemployed several time but I still have made efforts to make my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Purchased a product through XXXX but XXXX information was unavailable. 

Contacted Transunion in XX/XX/2024 with no return email or call. Purchased the Transunion product but was unable to logon after purchase. 

Customer service was unable to correct the problem after several calls. 

Transunion did not refund the failed product. 

Attempted to gain access to the account XX/XX/2024 and they stated I had to email copies of birth certificate, drivers license and social security card. No response Attempted same process XX/XX/2024 with no help from customer service but they requested photos of the same documents again. 

I am unable to gain credit for a purchase because Transunion is not showing a credit record and I can not get help from the company.
Product: Debt collection

XX/XX/XXXX I received a credit alert from the credit bureau stating that I owed a debt. However, the company didnt send me any communication of the debt prior to placing the debt on my credit. Rather parked the debt on my credit. I lost the offer on the house I was trying to purchase. XX/XX/XXXX I received a letter from the company date XX/XX/XXXX. No where in the letter did it state I could dispute the account. Rather demanded payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, EQUIFAX MORTGAGE SER add a hard inquiriy on my credit report per Equifax.
Product: Credit card

I have been a good customer for over 10 years with Priceline making every payment in full on every month and never having a delinquent account. Now suddenly while I am out of the country Priceline without warning or notice lowered my credit line by {$800.00}. This is not the first time this company has changed my credit card without notice. About three years ago they tried to cheat me out of reward points by changing the reward program on my card ( again without warning or notice ).
Product: Credit card or prepaid card

I have a Citi card ending in XXXX which I attempted to close last year and told it was closed even after aggressive attempts to promote to me 1 time offers of keeping the account open. I had been under the belief that the account was closed but recently received a late fee notice for the annual membership fee. I haven't used this card in more than a year and after calling the phone representatives were again very aggressive in trying to prevent from closing the account. They claimed the account is now closed but online the account still appears open and with fees being racked up. I fairly unhappy that Citi customer service is refusing to close the account on multiple occasions now.

My last attempt to close was 1 week after last year 's annual fee hitting and I have phone records of calling. 
I attempted again to call on XX/XX/XXXX and XX/XX/2022 after receiving past due notifications in my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Formal Compliant against XXXX/XXXX and Experian To Whom it May Concern : This is a formal compliant against both the Creditor XXXX and Credit Bureau Experian, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XXXX19, The initial certified letter was sent to XXXX and delivered on XXXX.19 signed by employee XXXX XXXX. XXXX has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XXXX19 to readdress the inaccurate reporting that is listed on my credit file with Experian, once again this letter was delivered and signed for by an employee. XXXX has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After XXXX failed to respond, I sent a dispute letter to Experian to address inaccurate reporting listed on my credit file on XXXX19, as it was delivered on XXXX19 and signed by XXXX XXXX. Experian has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.
Product: Debt collection

I am currently going through XXXX XXXX  and covered by my insurance with XXXX. 

XXXX XXXX XXXX ( XXXX ) contacted us about payment and we discussed that XXXX  should take care of it and we would reconnect if there were any issues we needed to work out with XXXX  Without warning or explanation and in bad faith, XXXX sent me to collections, negatively impacting my credit score. 

I am unclear as to why this money is owed and am particularly concerned about XXXX 's practice of damaging people 's credit score while being irresponsible on their own end to due basic due diligence in working with insurance companies and communicating with the individuals impacted. 

This bullying tactic got me to pay {$290.00} for no other reason than through threat of further damage to my credit score and coercion through bad faith action in sending my bill to collections. 

At best, XXXX has acted in bad faith, but they have also exposed what could be an unethical and malicious business practice
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I opened a dispute with Transunion regarding information being incorrectly presented in my credit report. The account in question was an account from XXXX XXXX XXXX XXXX which was showing as Charged off, with balance due in full. This account had been paid down thru a Collection Agency after being negotiated, but this was not showing on the report. Less that 4 hour later I received notification that Transunion had resolved the problem by deleting the account. However, by deleting and not fixing the information as requested they impacted by Credit Score by XXXX points ... a drop of XXXX points! To this day Transunion has not been able to provide a proper explanation as to why this happened, even thou they indicated it should not have happened ... the account they deleted was a derogatory account which pulled down my score!!! 
You can imagine the potential financial impact the action taken by Transunion could have on any loan, credit card, and job search I decide to embark, which is why I need this resolved ASAP. I worked hard to get my credit in check and to improve my score just to have Transunion throw away all that effort with their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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 disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



Delete these XXXX inaccurate accounts immediately. 

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 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 or other personal consumer reports

XXXX and XXXX late payments XXXX, I was told these would be removed and I'm just noticing that its still on the account from my secu of XXXX XXXX account # XXXX and I'm also disputing XXXX other account instances that of XXXX lateness. 
Account # XXXX I'm always on time with my payments and this has been for years. 
its XXXX total inaccurate lateness. 
Thank you for your service.