23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Product: Credit reporting or other personal consumer reports

Equifax has refused to provide me with a free copy of my annual credit report. 
I informed them that creditors refused offering credit based on information they are reporting. 
Equifax, who had recently reported a credit breach in their system, and who I no longer therefore trust with the security of my informations, has demanded a photocopy of both my governament issued ID and my social security card in order for them to provide to me my credit report. 
I fear them keeping copies of my government issues IDs would expose me to identify teft. 
They asked security questions to verify my identity and I complied. 
Initially a customer service rep of theirs, had asked a copy of my utilities bills as a safer alternative but the next representative I spoke to, after we got disconnect by a poor connection, insisted on the photocopies of DL and social security card as the only way for me to receive a copy of my credit report. 
Since most USA citizen can get their free annual report just by requesting it, I am feeling discriminated upon.

They have also refused to let me record the absurd conversation.

So if I don't let this agency, whose security breach had put customers at risk for identity theft, store my delicate information, I won't have access to my credit report from them and no way to dispute the inaccuracies.

I even offered sending them a notarized letter that verifies my identity in a written request for a copy of my report.

They again refused to provide my report.

I just want a copy of my report without putting myself at risk that someone else could impersonate me, being in possession a copy of my DL and SS card.

Their past security breach is the proof that personal informations are not safe with this agency.

Thank you for your time. 

Best
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX  XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : TXXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting or other personal consumer reports

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

XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute and Demand for Removal of Late Payments from My Credit Report Account Number : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the late payments reported by XXXX XXXX XXXX  ] on my credit report with TransUnion. I have been disputing this matter through the CFPB, and while I have received a report indicating that the information has been verified, I have not received any proof or detailed documentation supporting this verification. This lack of response, coupled with the lack of evidence, is a clear violation of my rights as a consumer. 
The late payments in question are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, consumers have the right to a thorough investigation into reported information and to receive clear documentation supporting the accuracy of the late payments. However, TransUnion has not complied with these requirements, sending me only a credit report with no proof of the investigation conducted. This is not only a violation of the law but also a violation of my right to privacy and to accuracy in my credit report. 

Additionally, I already sent a formal letter to XXXX XXXX  on XX/XX/XXXX, requesting the removal of these late payments due to the lack of evidence. I have not received any response within the time frame stipulated by law. This lack of response from the creditor further reinforces the lack of validity of the reported late payments. 
Under the FCRA, if the accuracy of the information on my credit report can not be verified, it must be removed. Therefore, I demand the immediate removal of these late payments reported by [ XXXX XXXX ] and the updating of my credit report to reflect accurate and positive information. 

If TransUnion can not provide evidence of the accuracy of this information or does not conduct a proper investigation, I will be forced to take further legal actions, including formal complaints with the FTC and the CFPB, which have already been filed. 

I expect a prompt resolution of this matter. If this issue is not resolved immediately and in accordance with the law, I will proceed with the appropriate actions to enforce my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Last XXXX SSN : XXXX Enclosures : Copy of the letter sent to [ Name of Bank or Provider ] Copy of the credit report showing inaccurate late payments Copy of the complaint filed with the FTC Let me know if you need any further adjustments.
Product: Credit card or prepaid card

Timeline : Starting XX/XX/XXXX - Numerous XXXX purchases made using credit card. 
XX/XX/XXXX - Received and completed IRS consent form 4506-C. Unable to use credit card during processing. 
XX/XX/XXXX - Called Discover and was informed IRS verification will take up to two weeks. 
XX/XX/XXXX - Called Discover again and was told by Discover agent that some agents have spread misinformation. Verification may take up to 7 weeks. 

Summary : On XX/XX/XXXX, my credit card stopped functioning as Discover sent my card to the IRS for verification. There isnt an option to avoid the verification, as the consent form must be signed or the card will be discontinued. I called Discover, and an agent told me my card would be unavailable for up to two weeks. My credit card is an important piece of the buying and selling I do on XXXX. On XX/XX/XXXX, after hearing nothing from Discover, I followed up and found that two weeks was the MINIMUM time such a review can take, with up to 7 weeks being the maximum. It is very unethical for consumers to be lied to about the time which their credit card will be unavailable. It is equally unfair for someones credit card to be restricted for such a long period of time. I didnt do anything to warrant such a verification in the first place. I am happy to discuss further malpractice on Discovers part.
Product: Credit reporting or other personal consumer reports

I sent in a Debt Validation letter and Method of Verification letter to TransUnion for an inaccurate account reporting on my consumer report. TransUnion failed to do a thorough investigation for the accounts listed below. TransUnion also failed to send me the methods of verification used to validated this account. Which is a violation under 15 U.S.Code 1692g Validation of debts and under FCRA section 611 ( a ) ( 6 ) and ( 7 ). Validating debt on consumers report is a violation under 15 U.S Code 1692f for unfair practices. My first Debt Validation was mailed XXXX, 2024 to TransUnion.TransUnion instead of doing a investigation and verifying if the debt is accurate they updated the information so it stands on my report longer which is a violation. These accounts report on my report at least 4x times or more. I provided proof showing the inaccuracies on these accounts from dates, limits, balances, and payments made were all INCONSISTENT and DIFFERENT across the credit reporting agencies. TransUnion them self sent proof of the verifying these accounts as OPEN with a PAST DUE BALANCE which is another violation of 15 US CODE 1681 ( b ) Reasonable procedures. Which states that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Lastly, I never gave written consent to have any unauthorized or negative accounts to be reporting to my consumer report these negative accounts are affecting my credit worthiness and financial reputation under 15 U.S. code 1681 ( B ) ( 2 ).
Product: Checking or savings account

Well in 2019 I was told I was going to be donated some money. And this was right after hurricane michael. I was left XXXX. I have never been giving money before. So when it came down to it. They asked for my bank information. When they asked for my user information I said no. But then decided to becuase they were a federal banking XXXX. Standard Chartered bank. They uploaded a check. With no authorizing. And I got fraud and now cant have any accounts opened. Please help me. Proof of where the login of the location where it was made will declare me innocent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these items : XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report for the amount of {$2000.00}
Product: Mortgage

A Citibank loan officer sold us a mortgage based on a " rate protection program '' whereby the interest rate of the mortgage could be reset to a lower rate under certain circumstances. Before the loan was issued, the loan officer stated that we had qualified for the program. After the loan was issued, the loan officer confirmed that the rate protection program applied to our loan. 
Some time post-issuance, we inquired about exercising the rate reset under the program, but Citi stated that our loan was not covered by the program. 
The issuing loan officer left Citi after the loan was issued. However, he confirmed in writing that he had indicated to us before and after the loan was issued that our loan was covered by this program. Citi has received his written statement acknowledging this but Citi refuses to cooperate and refuses to stand by the representations made by their former employee. 
Initially, Citi said there was no record of a commitment by Citi to include the rate protection in the loan. Then, Citi said they could not include it because my loan could not have qualified under the terms of the program because the program did not cover XXXX homes. I have reviewed a flyer outlining the terms and conditions of the program and there is nothing on the flyer that would suggest that XXXX homes are excluded. In any event, the loan officer was aware this was a mortgage for a second home and nevertheless represented that the program had been applied to the mortgage. Citi 's final position is that the bank is willing to do nothing and will not stand by the representations made by its former employee, even if those statements induced us into taking a loan with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filing this complaint, XXXX, TransUnion, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Flexshopper has been calling me for over a year. I have already filed a XXXX  complaint and gave them the FTC identity theft documents and demanded they no longer contact me. 

they call me an upwards of 5-10 times a day with different caller id 's, I block the number and somehow they get through the block. 

their reply to the XXXX was " it was delivered so she's responsible '' I have NEVER ordered anything from this company, apparently they shipped out some exercise stuff without signature or id verification and some how that's my fault? 

I don't know who they are, or what they are. 

it has gotten to the point where I just make animal sounds into the phone when they call, as they obviously have no idea what DO NOT CALL means and ITS NOT MY ACCOUNT. 

my next step after the CFPB is to sue, for XXXX per FDCPA violation, and since i have LOGGED 500+ calls from them. 

I've added phone logs, because they told the XXXX  they only call once a day and don't use other caller ids to get through.
Product: Credit reporting or other personal consumer reports

All hard and soft inquiries 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 XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXXHard and soft inquiries Name is incorrect XXXX XXXX XXXX date of Birth is not XXXX the Correct date of birth is XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Late payment reporting A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting, credit repair services, or other personal consumer reports

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

My information has been exposed to 2 different data breaches that I was made aware of. There is no telling who all have my information now. I was advised that XXXX XXXX  have reported it to law enforcement. one of the companies affiliated with them ( XXXX XXXX ) was accessed with a data breach. I have seen address and phone number and credit issues on my reports. I have tried to dispute the errors with all 3 reporting agencies and they refused to correct it.
Product: Mortgage

XXXX continued The events happened between XX/XX/ and XX/XX/2019. In XX/XX/ when I should have been closing they attempted to force me to take a 3.95 % rate which was not what the rate. They also sat on the completed file delaying a closing. I located the secure emails, XX/XX/2019 estimate with the 3.5 % and the woman who tried to force me to change my rate. 

XXXX in XX/XX/2019 gave me the 3.5 % rate. 

I am attaching files. I am requesting to be part of the settlement because I paid {$1400.00} when I was qualified to pay {$1200.00} from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and they have been multiple accounts and contracts open under my personal information that I did not authorize and had no knowledge of founders {$97.00} XX/XX/XXXX XXXX XXXX $ XXXX XXXX, XXXXXXXX XXXX XXXX  {$1000.00} XX/XX/XXXXXXXX XXXX {$44000.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX  {$130.00} XX/XX/XXXXXXXX XXXX XXXX  {$720.00} and {$650.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$1400.00} but the current account balance is {$3.00}
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 and privacy and confidentiality under 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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- ( 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

PERSONAL INFORMATION UPDATE LETTER XX/XX/2025 To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,