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

I request CFPB intervention to ensure the immediate removal of an inaccurate and unverifiable account from my credit report, which is maintained and reported by EQUIFAX. This account has been repeatedly challenged without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the FCRA 's thorough and reasonable verification requirements, and has relied solely on automated and inconsistent responses.

Reporting Inconsistencies : I have identified inconsistencies in the information for this account across all three major credit bureau reports. The discrepancies suggest that the reported information is inaccurate and does not meet the FCRA 's accuracy standards, warranting immediate corrective action. 
Legal Basis and FCRA Violations XXXX. Inaccuracy and Lack of Verification : Under the FCRA, credit bureaus are required to maintain accurate and verifiable information in credit reports. In this case, the credit bureau has demonstrated a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.

2. Inconsistencies at Credit Bureaus : In reviewing my reports from the three major credit bureaus, I have found inconsistencies in the way this account is reported. These discrepancies indicate systematic errors in EQUIFAX handling and verification of information, further underscoring the lack of accuracy and compliance with the FCRA. 

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the credit bureaus ' obligation to conduct thorough and reasonable inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling states that credit reporting agencies must conduct reasonable inquiries and can not rely solely on automated responses when a consumer questions the accuracy of information provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The court held that credit reporting agencies must go beyond the data provided by the creditor and conduct additional checks when accuracy is in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case emphasizes the responsibility of information providers and credit reporting agencies to conduct thorough, not cursory, inquiries under the FCRA. 
These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is questioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses furnished on my consumer report I have contacted Experian via telephone and also provided a copy of my XXXX ID in less than 24 hours the addresses have come back as verified From my understanding of the Experian Customer Service Agent the listed items were not verified by a human I have not given written permission/authorization to Experian or any other Financial Institution to furnish the any address listed on my consumer report other than my home address Experian is willfully violating my right to privacy and accuracy of my consumer report which is a violation of federal law by listing the following addresses on my consumer report XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX customer service. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XX/XX/XXXX XXXX X XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX.
Product: Credit card

For dispute XXXX I have uploaded the police report that indicates there was a thief stole my package. And Amex still insists that I return the package empty. How ridiculous!
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX 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: Checking or savings account

Starting XX/XX/20, paperwork was submitted to my employer ( XXXX XXXX XXXX XXXX, aka XXXX ) for a new 403 ( b ) account. Wells Fargo ( WF ) was instructed to release funds in the approx. amount of {$6700.00} from an existing IRA account to be rolled over into my new 403 ( b ) plan account at XXXX XXXX. 

On XX/XX/20, confirmation was received from employer that a TPA ( Third Party Administrator ) had submitted the paperwork to both financial institutions. XXXX confirmed receipt of paperwork. WF did not. The TPA is XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX : XXXX opt. XXXX, Toll Free : XXXX opt. XXXX ) On XX/XX/20, I asked my employer for the status of my request, since the funds had still not been rolled over. A week later, XX/XX/20, XXXX contacted me to confirm some details of my information. XXXX says they faxed the documents to WF. Then nothing happened, no updates, and no funds rolled over. 

On XX/XX/20, I contacted WF, who claimed no paperwork was received. WF rep indicated they needed the paperwork mailed, not faxed. I relayed that communication to both XXXX and XXXX and instructed them to mail the paperwork to the address WF indicated ( Wells Fargo Bank IRA Processing Document Capture COE/Document Management, XXXX. XXXX XXXX, XXXX, NC XXXX ). 

On XX/XX/20, I reached out again to XXXX  and XXXX for an update. The Business Office Director at XXXX, XXXX XXXX, and I called WF directly at XXXX, but were placed on a long hold and couldn't remain on the line. XXXX was able to confirm receipt of the doc packet by WF on XX/XX/20 by way of USPS tracking # XXXX. 

On XX/XX/20, XXXX 's rep XXXX and I initiated a conference call with WF to inquire on the status of the request. We were told once again no paperwork was received. The WF rep said he'd open an investigation to track down the paperwork packet. 

On XX/XX/20, WF rep " XXXX '' contacted me via email, indicating their research would be completed by XX/XX/20. 

On XX/XX/20 WF completed their investigation ( case ID # XXXX ), and maintained no packet was received, despite USPS tracking # indicating the opposite. 

On XX/XX/20, XXXX and I once again reached out to WF. Another rep said acknowledged receipt of doc packet but couldn't explain why the funds have not been released. She said she'd inquire and call back with an answer. 

On XX/XX/20, I called WF for an update. A rep named " XXXX '' now claimed paperwork had not been received, directly contradicting the prior rep. She said she'd inititate yet another investigation and call me back personally with the results. 

As of XX/XX/20, no results have been produced and no call back from anyone at WF. The funds remain unreleased.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of back and forth and no verification provided all medical from merchants credit had been deleted I even provided a letter from them saying it would send notice to delete to credit bureau .... in XXXX XXXX said accounts were deleted NOW THEY HAVE REAPPEARED WITH NO NOTICE ... written notice nor verification ... this is against the FAIR CREDIT REPORTING ACT which clearly states you can not do that without notification nor can you reinsert previously deleted items
Product: Debt collection

Affirm loan paid XXXX for an item I purchased, the item was returned. Affirm said they sent XXXX to Lobster sport. Lobster sports only received XXXX and returned the entire amount. XXXX was where ordered it, they did not receive the money. Affirm will not confirm the amount sent, I have confirmed that lobster only received XXXX and did not charge any other shipping or restocking fees. XXXX received XXXX. I am being charged XXXX for nothing, the interest charged is XXXX. Where did the remaining money go?
Product: Debt collection

XX/XX/2017 I received a call from XXXX from XXXX with Critical Resolutions. Saying he had a case for me in XXXX for XXXX and that I a returned from my bank, XXXX. He did tell that call may be recorded but did not give me the XXXX He said a case has been in court. I asked for the case number he gave me XXXX I asked where it was filed and he told me he did not know. He asked did I wan to voluntarily take care of it today. I asked for his company 's address and he replied : He was sending the case to XXXX to have me picked up and I could deal with all that crap there and ended the call. ''
Product: Money transfer, virtual currency, or money service

Binance Locked my account even though I deposited the necessary money to cover my negative balance. Im unable to purchase or withdraw.
Product: Vehicle loan or lease

I am on XXXX and I leased my car from XXXX with AMERICAN CREDIT ACCEPTANCE being the finance company. the car cost {$11000.00} I believe, and I been paying on this car since XXXX. THATS 5 YEARS, and the car STILL have a Principal Balance of {$11000.00}, Accrued Interest of {$2000.00}, and Fees & Charge of {$1300.00}, all which is making a payoff of {$15000.00}. This sounds WRONG. I am sick disable, and I am not understanding what is going on with this. The car was reprocessed in XX/XX/XXXX. They claimed it sold XX/XX/XXXX for {$2000.00}. And they are still charging a monthly regular payment for XXXX for {$360.00} and a new regular payment for XX/XX/XXXX for {$360.00}. I been complaining to them for years. I need help, I feel robbed, cheated, and taken advance of and I want my money back. 
I also want to join the case, CONSUMER FINANCIAL PROTECTION BUREAU and THE PEOPLE OF THE STATE OF NEW YORK, by XXXX XXXX, Attorney General of the State of New York, based on the above, and them hiding the true cost of the credit, setting me up to fail, and them doing stuff knowing that it would hurt me, and more! I tried asking them to lower the price so it could fit into my XXXX budget with no help. I told them my health was declining and it seem like it made it worst. By the time XX/XX/XXXX got here I could not keep up with it. Plus, I seen that they were just taking my money and it was not putting a bent in the payment after 5 years. Please help me get some or all of my money back.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cash app, ( Block, inc. ) due to inequate customer service and unfair practices, which violate the Consumer Fiancal Protection Act ( CFPA ). SPECIFICALLY, Cash App failed to take timely and effective measures to prevent and address fraud to their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive and 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 2 hard inquiries on my consumer report that I did not give consent or authorize. The hard inquires are dated : XX/XX/XXXX XX/XX/XXXX They are both from an unknown company called XXXX XXXX. I did not apply for credit on these dated nor do I know who this company is. Transunion needs to immediately remove these unauthorized fraudulent inquiries or Transunion will be in willful violation of the FCRA. 

I have also attached identity theft reports.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app ( block, XXXX ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed tot 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 Electric Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be XXXX XXXX, consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that XXXX, is aware and has proof that Credit Control LLC. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Credit Control LLC . In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX. I, XXXX  the consumer is disputing this debt, Credit Control LLC. Should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXX
Product: Debt collection

This collector is attempting to collect on a debt that is time barred and past the statute of limitations. I have n't been known by that last name in over 7 years. The account is no longer reported on my credit profile and is considered time barred. No validation and or authorization to contact me has been provided. TIME-BARRED DEBTSA new practice has arisen in the debt collection industry. Old, charged off debt is packaged and sold to other financial entities for as little as a penny or less for a dollar of old debt. These debts are old and often barred by the statute of limitations which limits the period of time during which a lawsuit may be filed to collect the debt. 
Thus, a time-barred debt is XXXX which can no longer be collected by legal means due to the passage of time, e.g. - - lawsuits, wage garnishment, liens on real estate, etc. These buyers of old debts are " debt collectors '' covered by the Fair Debt Collection Practices Act.