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

My account with XXXX TRANSUNION 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 21 days before the payment due date. 


XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX not XXXX or XXXX XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data Breech and noticed some fraudulent activity on my credit report that I did not authorize. Please remove immediately make personal to you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given EXPERIAN this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$1400.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX Balance {$29000.00}, XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$200.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX, owner of the house XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I bought from XX/XX/XXXX, to the present and have never purchased insurance from XXXX  company, but XXXX  company reported it wrong with this person whom I never knew : XXXX XXXX Date of Birth XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX claim number : XXXX. 


I received notice from my insurance company that someone reported a fire and took insurance money from a XXXX XXXX XXXX XXXX. I confirm that I have never bought insurance from a XXXX XXXX XXXX XXXX So please recheck and remove this case and investigate the person who fraudulently reported it. I have attached information to this email and please see it. Thank you and look forward to receiving your earliest response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX 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 Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each credit reporting bureau.Equifax, XXXX and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # XXXX
Product: Credit reporting or other personal consumer reports

It's been 30 days since I submitted a CFBP complaint on XX/XX/2023. XXXX has violated FCRA RULE 15 USC 1681. IT'S Now BEEN MORE THAN 30 DAYS.. XXXX HAS NOT RESPONDED TO MY COMPLAINT.
Product: Checking or savings account

Bank Of America stole the content of my account on XX/XX/XXXX in the amount of XXXX. This account I opened 7 years earlier in my name for the use of paying my mothers bills as her conservator/guardian. BofA had no right to take the money to begin with but they have forced me to send in a death certificate etc. etc.. and I've done it all but they simply ignore me other than telling me to do things, which I've done all of what they've asked. At each step they ignore me and I have to call them again to restart the process. This appears to be a way to make money for the banks or maybe it's a prejudice thing where they are XXXX and I am XXXX and they are simply messing with me. Either way, they had no right to take the money to begin with and now they are only messing with me at every step.
Product: Credit card or prepaid card

I checked my credit recently and saw charges from Navy Federal. I called the police they instructed me to file a report with them, then go to FTC.gov and file a identity theft report. I filed the report has instructed by the police. After I filed the report it was taken off my credit then I started receiving letters saying they investigated and reviewed its me. The address that was stated where the card was applied for was a address in have never gotten mail from.
Product: Payday loan, title loan, or personal loan

I 've had a loan with Titlemax in  XXXX , AL for at least 5 years. During this time, an employee of Titlemax visited the home of my husband, now ex-husband, and the employee shared private information about my loan with him. My ex-husband then shared that info with family and friends, and he discussed my Titlemax loan during our divorce proceedings. I suffered emotional distress and embarrassment due to the fact that my ex-husband was able to discuss the Titlemax loan during our divorce and share the info with family/friends. Also, when I initiated the loan, I was misled and deceived by the sales associate. The sales associate did not make me aware that by repeatedly renewing my loan, the repayment interest would then be significantly higher.
Product: Mortgage

My mortgage was sold to Ditech soon after I purchased my home in XXXX, XXXX. I had set up an escrow account with the original company handling my loan. Here 's the problem : In South Carolina ( maybe other states as well ) persons XXXX years of age and older are allowed a Homestead Exemption on property tax. Nice, right? Ditech refuses to honor that exemption and has, for nearly XXXX full year, been over-charging me in the amount it collects for escrow. I have been communicating with them since XXXX, XXXX, when I realized what was happening. They are stone-walling me at every step. I sent the tax bill from XXXX XXXX, SC directly to their Tax Dept., per instructions from their Customer Service Dept. A few weeks ago I spoke with a Supervisor in their Tax Dept. who was going to look in to this issue. I heard nothing back ; meanwhile, taxes still not reflecting the exemption. Today I spoke with the same Supervisor. He wondered if the document I sent to his department maybe " got lost in the mail? '' But, in any case, he explained they would not be changing what they are collecting from me monthly tax-wise. 
Even more curious, the Customer Service Rep. I spoke with before she transferred me to this XXXX XXXX, had my information right in front of her. She said, yes your taxes are showing a reduction, and gave the correct amount allowing for the exemption. Still the tax department can not manage to make the necessary adjustments. I believe that this is being done purposefully, without a doubt. I am starting to look at refinancing with my local bank ASAP. Ditech is, in my mind, behaving in a criminal manner in regard to my mortgage/escrow account.
Product: Bank account or service

Over {$63.00} was taken from my Comerica checking account, without authorization from a company called XXXX XXXX XXXX. No authorization was given for this to take place. 

In addition Comerica has taken another {$13.00} from my checking account without my authorization and despite providing all necessary information to the company needed for a " free checking account '' ( an account with no fees ). Totaling over {$78.00} this year alone. Furthermore, Comerica has deliberately, failed to provide me with monthly statements in previous complaints against the bank this year, however, sends me a monthly statement for XXXX 2016 to XXXX 2016.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY.

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S.

Code 1681s-2 ( a ) ( 1 ) ( B ) and this account must be removed.
Product: Credit reporting or other personal consumer reports

To whom it may  concern, I contact XXXX XXXX the loan servicer for XXXX XXXX XXXX of XXXX regarding my delinquent account. I had previously filed disputes with them asking for original account-level documentation however I never received this information. I recently attempted to get a mortgage loan, and XXXX XXXX appeared on my credit report as delinquent. My potential mortgage provider said they require me to get this account addressed before they can offer me a mortgage loan. I contacted XXXX and they told me they could not assist me with credit reporting and I would need to contact the collection agency they assigned my account to called, Coast Professional Inc. I contact Coast Professional Inc and they said XXXX closed the account after only 30 days of the account getting assigned to them, however, I never received phone calls or letters stating the account was assigned to another institution. XXXX nor Coast Professional Inc, never gave me the opportunity to dispute or ask for verification of this debt. 

In the same day, I contacted again XXXX explaining the situation and information I received from Coast Professional Inc. I requested a Manager ( name I did not document ) this manager however was extremely rude and aggressive saying I can't take your word for it we will need to contact Coast Professional Inc to re-open this account and I would have to pay the balance in full so they can assist me with my credit report. I asked if there is any assistance they can offer and she said no there is not. I let her know I would be filing a dispute as I see several state and federal violations here from UDAAP, FDCPA and FCRA in violation and she did not seem to care and said she would respond back to the CFPB accordingly. 

I'm asking for the CFPB to please assist me with this challenging issue as I'm in desperate need to obtain a mortgage loan, however these issues, violation of federal law and unprofessional service are making it quite difficult for me to successfully obtain a mortgage loan. I look forward to hearing from you. 

Best regards,
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX XXXX XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX XXXX Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that doesn't belong to me. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX and # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions.
Product: Student loan

This complaint is in regards to the Student Loan Servicing Company NAVIENT This company has overcharged my Student Loan Accounts by {$3100.00} I have written them 3 times to provide a break down of each loan and every dollar charged to my student loans. ( I have XXXX loans ) and each time they just respond with a Total Amount Owed and say it is correct. They tell me if I have any disputes to contact they previous loan servicing company XXXX. I have contacted XXXX and they have provided me with information that I have sent NAVIENT. CLEAR Documentation from XXXX that NAVIENT is overcharging my accounts by {$3100.00} and they tell me to contact NAVIENT. So I have, 3 times, and NAVIENT keeps responding with nothing, no documentation proving or showing me how they came up with the Total due on my accounts, except for sending me a XXXX page letter stating you owe this Amount. I have written them 3 times now clearly stating in CLEAR English the documentation and proof I am requesting of a breakdown of each individual loan, every dollar in interest charge and how they came up their Total Amount Due. XXXX, my previous loan servicer, has been able to provide me with this documentation, but NAVIENT keeps responding with nothing. If I could sue NAVIENT for overcharging customers, violation of consumer protection laws and horrible customer service and treatment of student loan consumers I would. I do not want NAVIENT to be my Student Loan servicing company.