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

I am filing this complaint to address an issue with late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response or satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid 19 Pandemic, I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the 623 - 15 U.S.C. 1681s-2 ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


Also, XXXX  Account XXXX is reporting a debt that I do not owe. I have never been transported by the EMS company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires on my credit report is incorrect
Product: Debt collection

This account was paid way before this went to collections. They continue to harassing and threatening me. Reporting inaccurate information and damaging my credit. I am TIRED of them! 

XXXX and CCS are attempting to bully me into paying for something that is not owed to them. The harassment by the collection agency needs to stop, IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a dispute on XXXX XXXX regarding accounts that are reporting on my credit file as a violation. I asked them to send me proof that they had the right to report a lates payments on my file, and to send me the information that they can legally do this according to the FCRA. This is illegal. 

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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  XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

When I took out this morning I was struggling to pay bills and needed it to pay bills. Little did I know the internet rate was over 300 % which is far more than what Oklahoma law allows. This loan is illegal and needs to be forgiven and written off
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The account XXXX was sold but still reports a balance. I know that reading my credit report DISCOVER says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the XXXX so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report, including unapproved hard inquiries, which breach 15 USC 16c-2. I request their removal immediately.
Product: Money transfer, virtual currency, or money service

I sent a transfer from my XXXX business account to my newly open Revolut Business account after a few days of pending status and sending them some requested documentation they decided to close the account it has been 22 days since they received the money and yet they have failed 3 times to return it back to my XXXX account Their customer support its like speaking to a 5 years old on incompetence they get a 5/5 I get constantly lied to my face by their representatives they reply the same manufactures answer your problem will be solved soon you are priority number 1 and still they are so incompetent that they admitted on chat to sending back the wire with the beneficiary details instead of the senders details when is where the wheres is supposed to go Not to talk about all the loses and damages Revolut caused me so far by having XXXX $ taken away from me for almost a month now in this current complex global economic situation they are fraudsters and the more I read online the more concerned Im about my money
Product: Credit reporting or other personal consumer reports

am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian INCORRECT ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Prepaid card

This is for a transaction on XX/XX/XXXX at XXXX, I was notified by CashApp text that my PIN number had changed. I immediately tried to call them and a recording said I would have to message them on their app. While waiting on hold, I locked my card but also was notified the {XXXX} was removed from my account. After speaking to a rep, via chat, they advised that there was an attempt but the wrong PIN number was used. I filed a dispute and was assured by the multiple reps I had spoke to over the phone at a later time as well as the one I was chatting with, said my money would be returned. To this day, my money was never returned even though it was an unauthorized charge. Please help with this issue. My CashApp is $ XXXX
Product: Mortgage

I applied to WaFD for a HELOC on an investment property. A branch manager verbally confirmed to me on XX/XX/XXXX that WaFD makes such loans, and these are clearly advertised on the web site here : XXXX XXXX XXXX However, after submitting all relevant information for underwriting and paying for an appraisal, my application was denied. The reasons stated on their denial letter were : " We do not grant credit to any application on the terms and conditions you have requested '' and " Second lien on Investment HELOC behind another lender '' This denial appears to say that the bank does not offer HELOCs on investment properties. I pointed out the discrepancy between WaFD 's verbal communication and online advertising and the result of my application. When I insisted on a more thorough explanation, the branch manager insisted " Yes, we offer HELOC loans. We do not however offer them under the terms you have requested. '' The branch manager refused to provide further information on what the terms I supposedly requested are, or what terms would be acceptable. I have requested clarification on this point multiple ways and received the same vague responses.
Product: Credit reporting or other personal consumer reports

Hello, my consumer report has been experiencing multiple violations especially from Transunion. I have viewed my consumer report and I see seven added accounts that I do not give consent to be added onto my Transunion consumer report. In pursuant to 15usc1681b ( 2 ) I did not give written instructions from Transunion to furnish my consumer report to XXXXXXXX XXXX XXXX and other nonaffiliated third party corporations. Since I did not give written instructions of consent, this is violating the laws congress has put in place. This is identity theft because my personal information is being shared by Transunion to third party financial institutions. I want like these seven XXXX XXXX XXXX accounts deleted from my consumer report. Thank you!
Product: Credit reporting or other personal consumer reports

After submitting here, the complaint XXXX on XXXX XXXXXXXX XXXX XXXX send me a resolution on XX/XX/year> stating that the debt decreases from {$390000.00} to {$1700.00}. Then on XXXX, I called and talk with the representative XXXX XXXX, and they offered me XXXX options : - a payment plan of {$890.00} in XXXX and XXXX to cover the whole debt, - cover the whole debt in XXXX,- or cover the whole debt in XXXX. 

Today my credit report updated with delinquent information between XXXX and XXXX. When I call them in XXXX, they did not request me to start making the payment that month, but in XXXX or XXXX. I call today a talk with XXXX XXXX, investigator assign to my case, to make the claim, and they respond me that I need it to pay for a credit report and submit it to them for them to verify if an error was made towards my credit report. The representative also stated that if a payment plan was agreed, there was not supposed to be an adverse credit report. I also went to the branch to make the payment of the whole debt. 

Between XXXX and XXXX, they send me different letters with different amount of amount debt.
Product: Credit reporting or other personal consumer reports

I have sent my dispute letter to TransUnion and XXXX Informing them of the inaccurate information being reported. I have never given my permission to furish the company on my Credit Report. PLEASE REMOVE immediately 1 ) XXXX XXXX / XXXX XXXXXXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Due to Equifax data breach Im experiencing a very hard time getting my credit score back up to XXXX. Ive been having a hard time getting funding and finding a place to live. This data breach created a huge financial crisis and it has caused me so much pain and suffering. 

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Mortgage

My mortgage was transferred to LenderLive for servicing after we closed our loan. Once transferred, we submitted a form to request automatic ACH debits. Although they advertised online submission of the form, it was impossible to submit online. After attempting multiple times to submit online, we physically mailed in in the form. It has been three months since we submitted the form, and we have received no response, despite a promise for a response in less than 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$5700.00} - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX # XXXX - BALANCE {$630.00} - DATE OPENED XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Harassing calls. Call started XX/XX/XXXX till present time. XX/XX/2023 they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, I made the night they called me XXXX times, XXXX the XXXX XXXX times,
Product: Mortgage

XXXXXXXX XXXX XXXX XXXX XXXX I paid all his debt. I did a modification on my mortgage to lower payment which was established with XXXX XXXX XXXX which is now XXXX XXXX. Since XXXX I have never missed a payment my mortgage is in good standing as well as my credit. All three credit agencies no derogatory loans. XX/XX/XXXX I received a call from Real Time Resolutions theres a note due from XXXX in amount of XXXX with XXXX XXXX I explained that was my mortgage company and my mortgage is current. I never heard anything from them again. I was served XXXX with foreclosure stating I owed XXXX. I hired an Attorney we had a mediation. Nothing made sense, my credit reports had no delinquencys no calls no letters from them nothing. My attorney suggested make it go away by paying them XXXX which I did by his advice and pay XXXX $ a month for three years which is automatically deducted from my bank. My attorney was fired shortly after my case which I spent thousands that I did not have. Today I called Real Time Resolutions for a balance and to discuss where my payments are being applied. First representative said he didnt see my account # I gave him my name and address, nothing. Called again finally got a representative that said I owe XXXX. Theres charges monthly for XXXX XXXX XXXX Im paying for things she could not explain. My balance should be XXXX and need someone to help me. Im being taken advantage of for something I never knew existed. Real Time told me to sell my home which I only owe XXXX on. I cant afford another attorney nor XXXX in interest. These ghost mortgages are hurting people. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with minimum finances. Please let me know what I can do to at least get interest dismissed. Real Time will not talk to me or assist. My next letter is States Attorneys Office.
Product: Debt collection

I received a letter dated XX/XX/XXXX from Phoenix Financial XXXX XXXX XXXX, IN seeking to collect {$69.00} from me for services rendered back on XX/XX/XXXX - almost 10 years ago. I had paid my medical bill in full. This issue also past the statute of limitations for medical bills in XXXX Phoenix was told to cease and desist this practice back in XXXX, but continues to try top take advantage of senior citizens. Thank you for your work to combat these deceitful practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I have items on my credit report that does not belong to me, that has been on my credit for almost two in a half years. Jefferson Capital in the amount of {$3100.00} for XXXX XXXX. Ive never had any XXXX accounts. Ive also requested the original signatures, and documents from when I first signed these documents. Company never send me these documents showing that these items belong to me. I have requested these items to be removed, but after time and time nothing has happened. I have sent in disputes, 601 letters and nothing has been removed. Iv reached out to all credit bureaus and nothing has been done. I wont this item removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems, Inc placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met. 

The company has not met FCRA requirements and should remove this account information from all three credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I didnt approve or did I have the knowledge of these companies inquiring. 
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I show a XXXX  on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding the denial of securities by XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). Recently, I submitted a registered security to XXXX XXXX XXXX, as per their requirements. However, my application was denied based on information provided by Experian. It is pertinent to note that this denial occurred despite my XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX which should not be grounds for refusal of access to my securities. I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national originXXXX XXXX marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Experian. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.