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

On XX/XX/XXXX I attempted to send a request for account information to XXXX XXXX XXXX. The mail was returned as non-deliverable ( see attachment ). On XX/XX/XXXX, I sent out a request to have the item removed from my account to Experian, XXXX, and XXXX, respectfully. I have been sent a reply from XXXX, and XXXX stating the account was verified, with the same non-deliverable address and an incomplete account number. I have not received a reply from Experian in the timely manner described by federal law ( 31 days ). In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Experian, XXXX, and XXXX have all violated my rights. 

As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Forensic Evidence 100 % fraud by transunion. Intentionally reducing credit scores by huge amounts so it increases consumers interest we pay on credit cards I conducted a forensic evidence test to intentionally catch Transunion. See evidence attached XX/XX/2024 XXXX debts my score was XXXX XX/XX/2024 intentionally charged {$2200.00} credit XX/XX/2024 Transunion XXXX points score XX/XX/2024 intentionally payed {$2300.00} returned XX/XX/2024 Transunion XXXX points score Credit balance XXXX {$0.00} XXXX credit score Credit balance XXXX {$0.00} XXXX credit score transunion has been officially caught damaging my credit by XXXX points for no cause. this forensic evidence test was designed specifically targeting to catch their fraud in realtime with factual evidence. 

Federal agencies are being notified for legal action. 

Transunion is strategically forcing my credit score down to intentionally move my score down to force higher interest rates by creditors
Product: Credit card

Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( target/TD ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. At this time i would have thought that Target/TD would have also received the Court Documentation considering they were the ones who initiated the complaint to begin with. However they have yet to comply with the Court ruling. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Credit Acceptance Corporation customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX Solutions. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Certified Tracking # XXXX Several different name spellings, variations, SSN variations, addresses and phone numbers appeared on my Equifax credit report, most were taking off. I've included my XXXX report and XXXX XXXX reports showing the same. I've gotten most of this situated before expect a few more items. I was a victim of the Equifax breach in 2012, XXXX document attached ) as well as another breach, and a victim of indentity theft from a close family member. This is another complaint and formal dispute to have this information listed in my letter to be blocked, and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit on XXXX website when it said that my Chase account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with XXXX which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from XXXX  would redirect me to Chase and instructions on how to unlink, the third  option after clicking on profile and settings was visit XXXX page. Problem is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called Chase where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the Chase fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext  and then not be able to unlink XXXX from your bank account. 

The Chase supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink XXXX to my personal data. 

This was accomplished through another means not the prescribed bankXXXX method. 

Its obvious the bank and XXXX are in XXXX XXXX XXXX you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.
Product: Credit card or prepaid card

I applied with Barclays back ( jet blue plus card ) was sent a letter asking for address confirmation, sent in all the information requested never heard back or got a denial letter. Tried calling multiple times just to get the run around spoke to numerous people all with the same run around sorry wrong dept.
Product: Debt collection

I received a call in XXXX from a company saying they were contacting me to collect on a loan for a bank overseas located in the XXXX. I have not heard from this bank in over XXXX XXXX and they need to contact me so I can see what the issue was. I explained that when I left XXXX XXXX ago, my company said they would settle my debt with my remaining pay check. The gentleman then started to get rude and stated that if I did not pay him he would ensure that he would watch my credit and if I applied for any loans he would ensure he would report this and make it difficult for me to get the loans. Again, this was a loan from over XXXX XXXX ago and I have not heard from the original creditor since I left the country. 

Again, over the last XXXX they let the interest build up before contacting me. The collection agency is Cedar Business Services and the original loan was through XXXX XXXX XXXX XXXX.
Product: Credit reporting

I have contacted Experian at least XXXX times regarding the erroneous information listed on my credit report. I provided notarized police reports, FTC affidavits, documentation of complaints filed with the FTC, CFPB and the FBI internet crimes unit. In addition, I have provided proof, in the form of receipts, bank statements indicating that fraud occurred on my account, and all invoices from companies proving that purchases were fraudulently made. I also included proof that I was not even in town when all the alleged transactions were made. Experian continues to refuse to acknowledge this information and repeatedly sends generic letters which request " Notarized FTC affidavits to complete the investigation. '' Yet when I send this information to Experian they have done NOTHING to update my file!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 ensureXX/XX/XXXXcomplies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America did a credit inquiry on XX/XX/2021. I did not authorize this. I do not have an account or credit with them. I did not apply for a credit card with them. The inquiry impacted my XXXX credit score and dropped my points because of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my TransUnion credit report that arent not mine and are unauthorized. I have reached out to TransUnion multiple times regarding this issue. They keep advising me to contact the companies that requested the inquiries. I have done so but were unsuccessful because companies cant search for inquiries especially if there is no account associated with the inquiry. The inquiries are as follows. There are 4 inquiries from XXXX XXXX, 1 inquiry from XXXX XXXX, and 3 inquiries from XXXX XXXX. Please investigate.
Product: Money transfer, virtual currency, or money service

I was scammed by a lady that I adopted a puppy from. She had a " pet delivery service '' which I believe she is working with because the emails they sent me were unprofessional and claimed to be " XXXX XXXX '' on one email and " XXXX XXXX '' on another plus they only took payments via XXXX, wire transfers, or XXXX. Many red flags, but I wanted the puppy so bad I proceeded as I believe my bank would protect me plus I was promised a full refund by the individuals. Nonetheless, I was told I had to pay {$600.00} for a special crate for the puppy to survive the flight, but that it would be refundable upon delivery. On the day of the delivery, I could no longer accept the puppy due to personal issues that arose and I paid the " delivery service '' another {$200.00} to transport the puppy back to the owner. The following day after ignoring my messages they finally reached out to say the puppy is " sick '' and that I needed to pay {$400.00} for her medical bills. I asked what vet they took the puppy to, what was the diagnosis, and what was the phone numeber of the vet office. They would not answer. I kept asking and they became annoyed and told me they were using " their '' vet, but refused to give me any information or contact for the " vet. '' I contacted the police after they began threatening to sue me for " pet abandonment '' and demanding I pay for the medical bills. The police informed me I've committed no crime, I am not legally responsible for the bills, and that I was being scammed. After that I reported these individuals to the FBI ICC and obtained an attorney. I then tried reaching out to Chase to have the quickpay transactions to the individual reversed, but they claim they could not. This is unbelievable. Why am I banking with them if they will not protect me from fraud and scams? I understand I made a mistake and did not practice the best judgement, but I am human. I shouldn't have to be out of {$800.00} because someone else has decided to scam me regardless of the red flags or anything. I should be protected by my bank. If XXXX doesn't give these banks jurisdiction over reversing XXXX ( that is what the representative told me ) then they need to find another company to work with. I am disgusted with Chase. It is not the first time they have refused to help me. And I am looking to bank elsewhere.
Product: Student loan

Hello, I have sent GC services and the department of education my loan discharge application for school closure. I attended XXXX college in XX/XX/XXXX as well asXX/XX/XXXX. I left on XXXX XXXX  and when I tried to go back to school the school was closed. I mailed a letter to my servicer because they garnished myXX/XX/XXXX tax return. I was told by my servicer that I did not have to pay my loan if I was in the process of loan discharge. Every time I call to try to get help they tell me theres nothing I can do? Now that I seeked legal advice a lawyer advised me to still make payments until I received a response. I was misinformed by GC services as well as XXXX College and now can not go back on my default. I recently received a denial letter for the student discharge application. I now have requested all transcripts and financial paperwork and in the process of hiring an attorney. I should not have to pay for these loans if I was never able to finish my education nor continue my education with any other school near me.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 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 an account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Dear Sir/Madam : I 've just read an article about problems with the lender Navient. I 've been paying a student loan for many years now and I 'm based in XXXX and working for the XXXX XXXX. I usually call Navient from abroad to make payments and at least twice a year for the past two years my loan payments have been misposted ( Instead of making a payment against the federal loan and a payment against the private loan, the payment is being posted to only the federal loan ). Since I 'm in XXXX I do n't get phone calls about late payments, until my aunt contacts me here saying that Navient has been calling her about late bills. And they have called her at least 10 times in one day!! Is n't that harassment? At any rate, I 'm usually on time with my payments, it 's just frustrating and time consuming to call and request that adjustments be made to my account to apply payments as per my original request. I really thought my case was isolated, but now based on the article I read, I understand that it is a bigger problem. Please let me know any further information on how this issue is being resolved with Navient. 
Best wishes, XXXX XXXX
Product: Debt collection

I noticed on XX/XX/XXXX that my XXXX credit report had three different collections on my account, all from energy companies located in Texas, where I have never lived or ever heard of. One was from the collector XXXX XXXX XXXX, from the original creditor XXXX XXXX XXXX XXXX XXXX for the amount of # XXXX. I had received collections letters in the mail from this collection, and I followed up by calling XXXX XXXX XXXX XXXX XXXX notifying that it was fraudulent or a result of identify theft and they made note of it and asked for my social security number to report it to the credit bureau, which I did not feel comfortable providing. 

The two other collections were from the collector TRANSWORLD SYSTEM INC/ and Original creditor : XXXX I never received any letters or other notifications for these collections. 

I disputed these collections through XXXX on XX/XX/XXXX, and two were removed, however one of the collections from TRANSWORLD SYSTEM INC/ remained. This remaining collection is for the amount of {$280.00} that opened on XX/XX/XXXX. I then followed up with XXXX to ask what else can be done about this collection as it is a result of identify theft, and they recommended that I file a complaint myself with the Consumer Financial Protection Bureau.
Product: Vehicle loan or lease

We have come to an agreement that if I pay XXXX percent of the total amount owed that this will be removed from my credit report on all three credit bureaus. On XX/XX/year>, I XXXX XXXX, paid monarch recovery which is the paid collection agency representing XXXX XXXX in the amount of {$2600.00} I am currently waiting on a letter from them stating that I paid them off. But I do have proof paying them from my bank account, showing XXXX transactions to credit acceptance. XXXX in the amount of {$2500.00} and the other one as {$180.00} I need these XXXX negative reports removed from my credit report, showing as a repossession, from XXXX XXXX as the one I owed, then it was sent to Monarch recovery.
Product: Credit reporting or other personal consumer reports

After examining my recent credit report, I found discrepancies that need immediate attention, particularly with the following accounts : XXXX XXXX XXXX XXXX  and would fix it. Please correct and update! 
XXXX - XXXXXXXX XXXX 
The companies have acknowledged these errors and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of these accounts after the companies recognized the inaccuracies. 

I kindly request a thorough investigation into these accounts and timely communication of the findings via postal mail. Based on online information, such disputes should be resolved within 30 days, so I expect your response within this timeframe. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove a ch XXXX bankruptcy that is fraudulently on my report. The date filed is showing XX/XX/XXXX and the date updated is XX/XX/XXXX from the CH XXXX bankruptcy attorney XXXX  XXXX XXXX US Bankruptcy Court. Very frustrating! Tried calling today and a very rude representative absolutely would not remove this public record stating that Transunion did not have any documents on file which is not true. I have been sending them documents since XX/XX/2019. They just would refuse to fix it. I need help. I'm attaching all documents that I can and I would like resolution to this. Its ' very unfair to have a false bankruptcy listed on all my credit reports.
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 information was 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 accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX***-Balance {$0.00} XXXX****Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$890.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXXBalance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$690.00} US DEPT ED-XXXXBalance {$2100.00} XXXXBalance {$0.00} XXXX XXXX-Balance {$610.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$610.00}