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

Transunion continues to report inaccurate information that is causing me harm. I have contacted Transunion several times to get this matter resolved. 

My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

My name is XXXX XXXX. No other names should be listed on my credit report.

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Mortgage

My mother passed away in XX/XX/2018. She owned a condominium in XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX CT. The property has a mortgage with Bayview Mortgage. I called them in XXXX explained that we were selling the home, and sent them a copy of the will. The representative at Bayview told me to " keep paying one payment a month and we will be fine. We listed the property for sale with a Realtor and I have continued to make a payment each month as instructed. As of this date the lender has not taken any legal action against the property, which is now in probate. However, at the end of XXXX their inspector changed the locks on the property and posted a notice that no one can sell the property. This is interfering with our ability to sell the property, as well as depriving my family of the use of the property, which we are entitled to, as the heirs of the estate. Please help us regain possession of our family property. Bayview has no legal reason nor right to take possession of the home. The home is in good condition. In fact I have recently done substantial work to the property to facilitate its sale. The property was also completely secure until the lender broke into it illegally. Although, I have provided the requested probate documents to the bank they refuse to discuss the matter or respond to my repeated calls.
Product: Debt collection

We paid our monthly lease payment and received copy of cancelled check. Hyundai claims we did not make the payment, and are delinquent which had resulted in my credit rating going down XXXX pts. We have contacted Hyundai Finance on at least 10 occasions of which 5 times we were hung up on because the untrained employee couldnt figure out that Hyundai made the mistake. Not only will I never purchase a Hyundai vehicle again but my next step is a lawsuit!!!
Product: Debt collection

The XXXX XXXX XXXX is attempting to request a collection debt of {$2400.00} I do not owe this debt. I have only received a ledger from them with random charges I have no recollection about. When I contacted the rental property asking for more details and documentation they stated to me that I was no longer in the system and they don't have any documentation and to contact the Creditors for more information. XXXX XXXX XXXX XXXX is saying that they have to contact the rental property for the details of the ledger but the rental property has already confirmed to me that they do NOT have the documentation to provide. My move out date on the ledger from the national credit systems states that my move out date was XX/XX/year> but I found an email stating that my lease was from XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX payment in the amount of {$1000.00} for XX/XX/XXXXXXXX  is incorrectly showing 30 days late on my credit report. It was not late. 

If you look at the attached XXXX response letter ( dated XX/XX/XXXXXXXX  ) to the Complaint, you will see that XXXX did not deny that XX/XX/XXXXXXXX  is incorrectly showing 30 days late, but said I should take up the issue with XXXX. To me, thats the same as saying its XXXX fault ( the error is on the credit bureaus end ) that caused the XX/XX/XXXXXXXX  payment to incorrectly show 30 days late. 

Therefore, since the XX/XX/XXXXXXXX  payment was paid on time, and is incorrectly showing 30 days late on the Equifax credit report also, I am requesting that Equifax correct the credit report by removing this 30-day late payment.
Product: Credit reporting or other personal consumer reports

I have a genuine concern regarding the inaccurate information on my credit report as my credit is very important to me. These inaccuracies are creating constant stress whenever I can not get approved for new credit.
Product: Credit reporting or other personal consumer reports

I have called both XXXX, XXXX to fix this issue. XXXX advised me to call XXXX, while XXXX told me to call the XXXX XXXX XXXX myself to report it. This has been going on for almost a year. The documentation I have said the credit agency will be notified within 90 days of letter. I got the email last year in XXXX or XXXX. I need this removed. I have submitted a dispute with XXXX and all they do is just update the address and my payment status.
Product: Debt collection

Credit Management Lp has reported to all 3 credit reporting agencies concerning an unknown debt
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Request for Deletion of Charge-Off Account To Whom It May Concern, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. This account, furnished by Consumer Portfolio Services Inc, is being reported inaccurately and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Account Information : Creditor Name : Consumer Portfolio Services Inc. 
Account Number : XXXX Charge-Off Date : XX/XX/XXXX Amount : {$22000.00} FCRA Violation & Failure to Issue IRS Form 1099-C Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), data furnishers are required to report only accurate and verifiable information. However, in this case, the creditor has failed to comply with IRS regulations regarding debt cancellation reporting, which directly impacts the accuracy and legality of this tradelines continued presence on my credit report. 

According to IRS regulations ( 26 U.S.C. 6050P ), a financial institution must issue a 1099-C if a debt of {$600.00} or more has been canceled, discharged, or forgiven. The failure to issue this form raises questions about the validity of the charge-off itself. If the creditor considers the debt uncollectible and charged off, and no 1099-C was issued, then the reporting of this account as an outstanding delinquent debt is inaccurate and misleading. 

Request for Removal Given these inconsistencies, I am requesting the immediate deletion of this charge-off account from my credit report. Per the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputed information within 30 days and remove inaccurate or unverifiable accounts.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Data furnishers must correct or delete inaccurate or incomplete information.

15 U.S.C. 1681e ( b ) : Credit bureaus must ensure the maximum possible accuracy of reported information.

Since the creditors failure to issue a 1099-C brings the validity of this debt into question, continued reporting of this account violates my consumer rights. 

Supporting Documents Enclosed, I have included copies of the following : Drivers License and Social Security Card Next Steps & Response Deadline Please conduct an immediate investigation and provide written confirmation of the deletion of this account from my credit file within 30 days, as required by law. If the information is not removed, I request documentation proving the creditors compliance with IRS 1099-C regulations and verification that this debt is legally reportable. 

Failure to comply with this request will result in further action, including complaints with other regulatory authorities and potential legal recourse. 

I appreciate your prompt attention to this matter and expect a written response by XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
XXXX. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
XXXX. XXXX XXXX XXXX XXXX : The CFPB has XXXX authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. 

Specific Requests : XXXX. Conduct a thorough investigation into this account. 
XXXX. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
XXXX. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
XXXX. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

ATTN : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Or XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Re : XXXX XXXX XXXX. Account # XXXXNotice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> around XXXX XXXX I received a call from XXXX at the wells fargo corporate division concerning a complaint I submitted. 
Previous complaint # XXXX XXXX informed me they did an investigation into my concerns. Her investigation consisted of a phone call to the XXXX XXXX the bank manager. The manger told her side of the story wich was nothing like what actually happened. A real investigation would of consisted of an actual person from corporate going to the branch and speaking with actual employees. I was REFUSED my right as an American to pay my credit card bill. XXXX XXXX was rude and condensing. She was clearly bringing her emotional state to work and taking it out on customers like me. She honestly looked like she was on drugs. This particular branch is in a seedy part of town and if you check there XXXX reviews you will read some disturbing reviews. My next step will be to write my local senator ( XXXX XXXX of XXXX  XXXX ) if something isn't done about about these tyrannical institutions and there predatory habits. I pay my taxes, I abide by the law and work my XXXX off and I deserve the right to pay my bills with out harrasment and back lash. 
Wells fargo bank. 
XXXX XXXX XXXX XXXX. 
XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting late to Equifax ; XXXX  and XXXX  on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.
Product: Credit card

Neiman Marcus /capital One sent a past due statement on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX. 

This is not my address nor is it the address on file for my account. This is my XXXX  parents address. This has caused unnecessary stress and undue XXXX. My financial accounts are my own and should not be mailed to XXXX dress that is not my own. This a violation of my privacy. I logged on to the website to change to verify my address and it stated that I needed to call. I called and all the customer service agents cared about was receiving a payment. They did not care about the emotional distress that the company had caused.
Product: Money transfer, virtual currency, or money service

I have been using PayPal from last XXXX  years now. My paypal email in XXXX. I did a withdrawal on XXXX of XXXX and then just a couple of hours later, i received a email from PayPal stating that my account has been permanently limited, i don't understand what I did wrong, I also didn't have any disputes on my account, they didn't even tell me what I did wrong, they won't give proper answer in XXXX  XXXX XXXX, i tried contacting them but they won't reply, I think my account was limited for no reason or just by a genuine mistake, please Reinstate my account as soon as possible, i haven't done anything wrong as of my knowledge, thank you
Product: Credit reporting or other personal consumer reports

I Have contacted the Credit Buraus in regard to the fraudulent inquires on my credit reports and these inquiries still are presenting on my XXXX and TransUnion report. I am requesting that these inquires be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made a {$50.00} deposit through the ATM on XX/XX/year> to cover the negative balance of {$36.00}. After making the deposit my account showed a balance of {$13.00}. The deposit was made before the XXXX p.m. cutoff time. I was charged a {$36.00} overdraft fee. I disputed the charge with Truist and was told it couldnt be reversed. The supervisor I spoke with tried to offer me several different products, from opening another account to different types of checking accounts that I was not interested in. It appears Truist is charging overdraft fees to upscale other products. I dispute this {$36.00} charge and wish an investigation be conducted into their practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Failure to Comply with Identity Theft Dispute Request for Immediate Action Dear Sir/Madam, I am writing to formally notify you of Equifax 's failure to comply with my identity theft dispute and to request immediate resolution. I submitted my identity theft report to Equifax on XX/XX/2025, disputing an inaccurate XXXX XXXX XXXX  XXXX account listed on my credit report. Despite providing all necessary documentation, including a copy of my identity theft report as requested in your correspondence, this account has not been blocked or removed. 
Additionally, I want to emphasize that my legal name is XXXX XXXX XXXX, as stated on my drivers license. However, my credit report includes inaccurate names such as XXXX XXXX and, which is not listed on my identification. This misrepresentation further supports my dispute regarding the accuracy of the information in my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to : Investigate disputed accounts promptly upon receipt of sufficient evidence. 
Block inaccurate or fraudulent information from credit reports when evidence of identity theft is provided. 
My identity theft report and dispute meet all legal requirements, yet Equifax continues to fail in fulfilling its obligations. Additionally, I requested that Equifax provide original signed documents proving the XXXX XXXX XXXX  XXXX account belongs to me. To date, no such documentation has been provided, further indicating the inaccuracy of this information. 
Equifax 's refusal to block the fraudulent information and lack of proper investigation is not only a violation of the FCRA but also undermines my consumer rights. 
Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal remedies as allowed under federal law for noncompliance with the FCRA. 
I request that Equifax take the following actions within 10 business days : Immediately block the disputed XXXX XXXX XXXX  XXXX account from my credit report. 
Remove all inaccurate name variations, including XXXX XXXX from my credit file and mailing address. 
Provide a written explanation detailing the steps taken to resolve this dispute. 
Confirm in writing that the fraudulent account has been removed. 
Please consider this letter a formal demand for compliance. Failure to address this matter will result in further action. I am uploading copies of all documents CFPB and FTC for your review. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 
Sincerely,
Product: Debt collection

Advance America in XXXX MI contacted and harassed my former spouse and my payday loan. Threatened to have me arrested for a XXXX XXXX dollar loan. I have been divorced from this person for seven years and my divorce papers clearly state that neither of us are responsible for each others debts. i believe this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Comenity Bank ( XXXX XXXX ). I have been charged late fees multiple times, even though I paid my bill on time. I am tired of Comenity Banks shyster business practices and decided to close my account. 
So I paid my balance online. Confirmed a {$0.00} balance. Made a phone call to Comenity, requested that the XXXX be closed ( you have to call them directly to close the account? ) So I sent screen shots of the XXXX balance and website comments to Comenity. Comenity sent a letter stating that I owe them {$90.00} even after I sent a screen shot of the XXXX balance.
Product: Debt collection

I had an account with them. I got laid off wasn't able to make payments. Couple months later they sold my account to NCB Management services without notifying me now i have a collection on my credit report