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

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX  XXXX XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion XXXX XXXX XX/XX/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

XX/XX/XXXX, XXXX XXXX pulled my Equifax credit report, the Equifax credit report has on the first page of my credit report Fraud Victim " Extended Alert '' under the Credit File Status. 
XX/XX/XXXX, I called and asked for the information to be removed from my credit report, the investigation was completed on XX/XX/XXXX, Yet, I have not received an updated report which verifies the removal. 
XXXX XXXX has pulled my credit report several times and contacted Equifax directly through their number for business issues, we have both continually been told, the credit report was updated. XXXX XXXX is the mortgage processor for XXXX XXXX  XXXX XXXX. Report pulled : XX/XX/XXXX, XXXX, and XX/XX/XXXX. 
Fraud Victim " Extended Alert '' still on first page of Equifax credit report. 
I call again on XX/XX/XXXX, received confirmation # XXXX from Equifax representative, I was told by employee name-XXXX, id # XXXX, that I would receive confirmation of removal to my email address within 24-48 hours. I HAVE NOT RECEIVE ANY CONFIRMATION OF REMOVAL. 
I called again on today, spoke with XXXX, id # XXXX, I asked to speak with a supervisor and was on hold for over 2 hours, XXXX just came back to the phone and repeated the same thing, the Fraud Alert was removed. 
I pulled my credit report on XX/XX/XXXX Annual Reports, the first page still shows under Credit File Status : Fraud Victim " Extended Alert ''. 
My credit report under My Equifax, still show the Fraud Victim " Extended Alert '' on the credit summary page, but indicates that there is no Fraud Alerts. 
I send a certified letter to Equifax requesting the removal, I still have not received a return report. 
I requested a letter from Equifax confirming the removal, so I could send to the Mortgage processor, I still have not received a letter or any type of confirmation.
Product: Credit card or prepaid card

1. Shell credit Card / Citibank ( South Dakota ), N.A. Shell billing Statement XXXX XXXX, Card ... XXXX, added {$27.00} Fees Charged. Shell Representative, XXXX, XXXX, on XXXX, stated my payment was 30 days late. It was mailed XXXX XXXX, XXXX. She could not delete a late payment. I have been with Shell sense XXXX, with no previous problems. Request late payment be deleted and credit my account and no effect on my credit rating which is over XXXX. Shell Consumer Payment Dept., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KY. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX TX XXXX CiTi Card XXXX Shell Card XXXX Thank You, Senior Citizen, XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX  XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses listed on my credit report that I have never lived at : 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
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX  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 XXXX  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! 


Update the late payments from my consumer reports
Product: Debt collection

On XX/XX/2019 and previous date I have sent Diversified Consultants a letter asking for validation of the debth they say I owe. Refuse to sent validation. They keep sending the same letter trying to collect a depth I have no knowelge of. They are reporting false information on m y credit report which is causing me hardship in obtaining credit.
Product: Mortgage

My name is XXXX XXXX XXXX. I applied for a refinance Mortgage loan at U.S. Bank. I was told that I could combine my XXXX mortgage loans into XXXX if my house appraised at {$200000.00} dollars. I applied on XXXX XXXX, XXXX for the loan. This process continued until XXXX XXXX, XXXX that was the date that I received an adverse action notice, citing the value of collateral as reason for my denial. I take issue with the appraisal itself, and the delay of receiving a prompt credit decision, despite several contacts with lending personnel requesting their decision over the months this process took. 

I think this constitutes clear violations of the Equal Credit Opportunity Act timing provisions, and is indicative of a larger problem with US Bank, where MANY other applicants could have been treated in a similar manner. Judging by the lack of concern about timing of adverse action among the bank personnel I encountered ( they seemed oblivious to the length of this process and that there was anything wrong with it ). I am a minority applicant with a long time on my job, excellent credit, and a home in a area of the city that is still appreciating ( a few blocks away from the XXXX XXXX ). I would also contend that the appraisal itself ( conducted XXXX XXXX ) was biased in that it only took comps from the neighborhoods XXXX of XXXX XXXX My property ( XXXX XXXX XXXX XXXX is city blocks XXXX of XXXX XXXX, which is a dividing line for where the majority of economic development and housing appreciations in the area is taking place. 
The appraisal came in late XXXX, had errors in the comps that it showed XXXX XXXX address being twice ) and in the wrong place. At that point I was told the value of my home was {$170000.00} and a loan officer texted me a counter, involving me purchasing PMI if the refinance was to proceed. Frankly I do n't believe it is possible to sell a finished home with garage for so low an amount in this neighborhood ( it would be bidding war that would take it over $ 200XXXX ). I was not happy with that offer and clearly told them I was not interested in that scenario. No subsequent appraisals are evidenced in the loan files, they stuck to whatever value their part-time appraiser came up with and never budged over the 4months I was simply requesting the credit decision in writing. I have other documents including my copy of the appraisal and the adverse action notice ( received XXXX XXXX ) available upon request.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX - XXXX Account number : XXXX Account name : XXXX - XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

This company is gradually putting increasing and inaccurate information after a payment I made in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I have a letter fro the complaint and they are stating i paid the account I also have my records enclosed from XXXX XXXX AND the bank WHEN I PAID IN XXXX!!!!!! THEY PUT A CHARGE OFF ON A COLLECTION ACCOUNT AFTER MY PAYMENT!! just now IN XX/XX/XXXX! 
I will surely sue EXPERIAN FOR LETTING THEM DO THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX XXXX XXXXXXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX Factual Data - date as of XXXX XXXX XXXX XXXX  - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX
Product: Debt collection

I was contacted by MCM credit Management by phone and I ask them to verify the debt in thirty days.Aldo not to contact me again. MCM has started sending mail threatening me with legal action against me.I want this to stop if not I want legal action against them for continuing to send mail with threats to take legal action.This is a third party debt collector.
Product: Credit reporting or other personal consumer reports

I would like these hard inquiries be deleted from my credit report I did not authorize these companies to run my credit its fraudulent
Product: Debt collection

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

I asked the company to prove to me that this is My debts and they hung up the phone on me I told them that I never signed a contract with them for these debt and the company hung up the telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX of XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/XXXX .Any further attempts will include additional complaints to the XXXX as well as my States Attorney General. 

Absolutely nothing in my complaint could reasonably given rise to the suspicion that it was not sent by me. The classification of my complaint as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letters and complaints in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the items in question from my report ASAP.
Product: Debt collection

Sunday XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX contacted me outside the FDCPA act of 1978 hours and days rule. About some debt that they say I owe, XXXX is the ladies name. Violation of FDCPA act of 1978
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint due to the credit reporting agency 's failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021 ( XXXX ) and XX/XX/2021 ( Transunion ). Under current law they had 15 days to complete a re-investigation. According to the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after the credit reporting agency 's investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give the credit reporting agency permission to report these items. In my dispute I requested corrections to inaccurate information or a deletion of the accounts from my report but neither was done. 

At this point, I am demanding the credit reporting agency to cease and desist from reporting these items. I demand they are immediately removed from my report. If they refuse to remove the items, I demand the credit reporting agency provide me with written documentation swearing under penalty and perjury laws they were there when the debts were established. I demand they also swear under oath that I signed for the accounts and I signed documentation agreeing to add their credit reporting agency to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2025 CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Debt Request for Validation Dear Caine & Weiner, I am writing to formally dispute the alleged debt referenced in your recent communication, account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including the following : XXXX. Verification that I am legally responsible for this debt. 
XXXX. A detailed account statement showing how the amount was calculated. 
XXXX. A copy of the original contract or agreement with my signature. 
XXXX. Proof that your agency has the legal right to collect this debt. 
XXXX. The name and contact information of the original creditor. 

Until this information is provided, I request that you cease all collection efforts, including reporting this debt to any credit bureaus. If this debt is found to be inaccurate or unverified, I expect it to be removed from my credit report immediately. 

Additionally, if you attempt to report this debt without proper validation, it will be considered a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). In that case, I will consider pursuing further legal action. 

Please provide all requested documentation in writing to the address listed above within XXXX days of your receipt of this letter. 

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

XXXX ( XXXX XXXX XXXX  ) ran a hard inquiry on my credit report. I DO NOT KNOW WHO THIS IS. I do NOT own a home nor have I applied for a home loan. Please remove this from my report. The only inquiry I've had in the last 3 year is XX/XX/2022. NO OTHER HARD INQUIRIES SHOULD BE ON THIS REPORT. Equifax is violating this law : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got this loan in XXXX they are threatening me and saying if I dont pay {$700.00} by the end of the month they will take me to court. It has been way over 7 years it was a pay day loan and it is no longer on my credit, can they take me to court. I know if I agree to pay them it will open the account back up
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding a violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Upon reviewing my XXXX credit report on XX/XX/2024, I discovered several inaccuracies and incomplete entries. The affected accounts are listed below 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  These inaccuracies violate my rights to privacy and confidentiality under 15 USC 1681, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of information in their reports.

Under 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, pursuant to 15 USC 1681i ( a ) ( 5 ), after any reinvestigation of disputed information, if an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) requires that furnishers of information must not provide any information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate.

I request that the CFPB investigate this matter and ensure that the inaccurate and incomplete information is corrected in accordance with the FCRA. I would appreciate confirmation of receipt of this letter and information on the next steps in the investigation process.

Thank you for your attention to this matter.

Sincerely,