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

XXXX, XXXX, Transunion are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. 

On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Product: Debt collection

Today, XX/XX/year>, I received a voice mail from a company saying they were about to file civil charges in the locality where I have a residence in VA. The debt they were going after was supposedly from Discover Bank in XXXX. 
The total amount was $ XXXX in principal and near $ XXXX with fees. These nice people could get my debt reduced to $ XXXX! Wow am I lucky! 

The issue is, I dont have a Discover card. Civil statute of limitations in VA is five years. And when I had them email me the details of the account in question, they sent me a dropbox with XXXX motions, essentially acknowledgment and assumption of this debt! 

A quick XXXX search revealed that this scam is not uncommon. XXXX XXXX XXXX is the firm name they are using. But the emails come from noreply addresses, and I can not find any legitimate physical address. 

Thanks and please help others to recognize the signs of scams like these. Here is the phone number I reached them on : XXXX They called me from XXXX He names they are using are XXXX XXXX XXXX and XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report on XX/XX/year>, I observed that XXXX XXXX an unknown person to me had a loan in the amount of {$71000.00} that was being reported by XXXX XXXX XXXX XXXX on my credit reports and her loan was filed under my social security number and name. I communicated with XXXX XXXX and asked them about this and they said they were sorry and they would remove it. This is identity theft and negligence and my personal information was breeched. XXXX  XXXX is fraudulent and my private information as a living woman was compromised. 

They deducted XXXX months payments from my account as a apology for the fraud. I do not feel this is professional and I have since ended business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of  2017  and my dispute case disappeared. I disputed again in  XXXX   2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.     TransUnion investigated and removed this right away.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account to find that a payday loan for {$440.00} had been taken put in my name days after I turned XXXX I called the service associated with the charge and noticed that when they recalled the information attached to the account, everything except for my name was consistent with my adoptive mother 's work email and home address. They still refused to take the balance off of my account, and it shows that now it is owned by XXXX for collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that you remove the fraudulent Accounts and information I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that you should remove : XXXX 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 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 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 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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE 1099C AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 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  2022 XXXX, 2022 XXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by XXXX XXXX Worst Delinquency XXXX days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 %
Product: Mortgage

Hello my name is XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX NJ XXXX. I have a home mortgage at HUDSON SAVING BANK from XXXX at the interest rate of 5.5 ( A/C # XXXX XXXX ). From XXXX XXXX M & T bank takeover HUDSON SAVINGS BANK mortgage. Without my permission, now i have a problem with M & T BANK from XXXX XXXX. Every month i received 2 statements from M & T Bank. Saying that one statement says that i owe {$4300.00}. The second statement says that i owe {$2100.00}. MY monthly mortgage is {$2000.00} which includes my taxes. Due to my high interest rate i went to financial institution to reduce my interest rate, due to this two statement saying that i have a late fees on my mortgage. I have all my proofs paid my mortgage on time from XXXX to till date. i never paid any late fee so far. I went to M & T bank with these two statements to XXXX XXXX NJ Branch. I discussed with the manager about these two statements and the manager the other people are whose related to the M & T bank are not responding. Several times i called M & T bank try to explain why i am getting two statements every month but no response from them. With this i am loosing my credit score and no bank coming forward to reduce my interest rate. I am sick & tired with M & T bank. Finally, last two days back i went to M & T bank in XXXX XXXX to get some solution. The bank manager the other people say that " M & T works like this go and do what ever you want ''. I do n't have any choice than you people. I hope you see this complaint and justify. If you have any questions regarding this please call me at XXXX. I hope to hear from you soon.
Product: Debt collection

On XX/XX/year> PRA response to XXXX in the responseRPA use the terms on or about the date consumer was mailed a letter to address first inaccurate never live at XXXX XXXX XXXX XXXX XXXX XXXX  so how can a debt be validated within five days mail to incorrect address consumer never live at.Second Inaccurate never provided purchase agreement. 3rd inaccurate reporting bills PRA submitted have a different address that was provided supportly bye the original creditor. PRA violation 15USC1692 G failed to validate a debt. PRA also stated all information was validated with the original Creditor I live in the XXXX  the address name is In XXXX.
Product: Credit card or prepaid card

Fraud occurred on my Chase credit card on XX/XX/2018 at the XXXX XXXX XXXX in XXXX XXXX XXXX, Florida for {$250.00}. The SAME DAY and the days before and after the charge, all my charges ( there were many! ) showed that I was in XXXX XXXX and the XXXX California area at the time ( where I live! ), more than 3k miles away!!!! I have never been to XXXX XXXX XXXX or the XXXX area in my entire life! could never have been at this spa. The spa doesn't even appear to be open : XXXX XXXX XXXX  Please help me get reimbursed for this charge. I reported it immediately to Chase and even got a new card when I reported the fraud so no more fraudulent charges could be made. And despite continuing to dispute the charge, Chase is still making me pay for the fraudulent charge. I have even filed a police report. What else can I do?
Product: Checking or savings account

I was scammed XXXX on XXXX  by a guy name XXXX XXXX I used the funds to but XXXX  from there on XXXX sent me a link to send the money to the XXXX XXXX. I even asked the bank to pull back the transfers and I have had no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

i tired a few times to get this removed of my credit report when its showing closed account.. account number XXXX amount is {$660.00} the company is XXXX XXXX the dates is from XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report XXXXXXXX XXXX on my credit after I provided information from XXXXXXXX XXXX and their affiliates that states they will not report to credit bureau. I spoke with XXXX XXXX and they advised they would not report to credit bureau. I asked could they send me something in writing. They did. And I sent that to Equifax and Equifax will not remove. They are stating the company is continuing to report which is not true as seen in the letter. Equifax is violating my rights under the fair credit reporting act by continuing to allow this on my credit without verifying and processing my dispute. They simply close my dispute without looking at the documents.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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

We chose Navient in an effort to consolidate student loans. We were under the impression Navient provided loan consolidation. Instead, Navient set up payments to the individual loans, each with varying interests, charging fees for their " consolidation '' services. After several years of payments, we noticed that the principal balance had reduced very little and decided to seek a new company that provided true debt consolidation. The final balance of {$41.00}, XXXX was paid to Navient on XX/XX/XXXX. On XX/XX/XXXX, Navient showed a XXXX XXXX XXXX in the amount of {$820.00}, which was never disbursed. In XXXX, Navient continued to charge us even after the balance was paid off. We called Navient and they said they would correct the problem. According to the attached statements, Navient did reverse the charges on XX/XX/XXXX and still had not distributed the XXXX XXXX XXXX shown on the statement. Beginning in XX/XX/XXXX, Navient began charging late fees on a nonexistent balance and continued to do so through XXXX of XXXX. After several calls to Navient, they promised to open an investigation and correct the errors. The customer service representative admitted there was a problem, stating that it was " a mystery and a puzzle ''. Despite repeated attempt at correcting the issue and a promise of an investigation, Navient proceeded to report the balance to my credit agency which has now affected my credit. The company has still provided no solution, has not disbursed the {$820.00} Credit Balance Refund, and continues to charge late fees and report balances as unpaid when the statement clearly shows the opposite as evidenced by the attached statements.
Product: Mortgage

Equifax has caused me damage in the form of adverse action by reporting fraudulent inquiries to my consumer report. I have proof of this in the attached screen shots of my consumer report with fraudulent inquiries as well as a copy of the adverse action letter that was sent to me citing Equifax as the provider of my consumer report in this matter. My social security card is a credit card by definition and was used, providing a benefit to Equifax and XXXX, however I never received any benefit which constitutes my unauthorized use of my credit card. This is a criminal violation. In addition the FTC regulates the fact that consumers must not be mislead in any commercial dealings. For XXXX and Equifax to lead me to believe either of them were providing me a loan is misleading and punishable by fine and imprisonment. Please govern your selves accordingly.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report and have no clue how they got there. I check my credit report regularly, but today I found errors that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the wrong accounts stayed there. I'm really hoping that the documents Ive submitted are carefully reviewed, so I can stop worrying about this once and for all.
Product: Credit card or prepaid card

Account was closed by consumer in XXXX, 2017. Medical hardship occoured, later filed bankrupty. Account reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the XXXX accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX  : {$920.00} XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorize inquiries on my credit profile that I dont not recognize and never authorized to do it 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 I did not authorize these companies to check my credit report. Thank you sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO IGNORE MY METHOD OF VALIDATION/VERIFICATION LETTER! 
They have sent me 3 reinvestigation reports within the past 2 months stating that they performed a reinvestigation! This is a lie and they are in violation of 15 USC 1681 a ( e ) I have sent them an AFFIDAVIT OF TRUTH along with evidence and proof of their blatant lies since they continue to ignore my requests and remove this INCORRECT PUBLIC record on my report.

I also sent them proof that they REINSERTED this INACCURATE Public record which is a VIOLATION of 15 USC 1681i ( 5 ) ( B ) They continue to VIOLATE my RIGHT TO PRIVACY according to 15 USC 1681 ( a ) ( 4 ) and are profiting off of my data while I suffer! 

They claim they have a permissible purpose to furnish said data but NO PERMISSION WAS GIVEN TO THEM from the ORIGINAL SOURCE! They are in violation of 15 USC 1681b ( a ) ( 2 ) According to 15 USC 1640 THEY ARE CRIMINALLY AND CIVILLY LIABLE!

I am holding them civilly liable since they are blatantly disrespecting the laws of congress! They have no regard for the Law and they have no regard for my life!
Product: Checking or savings account

The bank waited until my pay day and closed my account without warning, I am left without money to pay my bills or feed my family. They will send me a check that they said cant be guaranteed to arrive in 7 days from now today is XXXX. If not a check will be mailed on the XXXX of XXXX. They gave me no reason or ever reached out to me so it came as a shock.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX 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: Money transfer, virtual currency, or money service

Hello, I have tried to close my PayPay account numerous times as I'm not satisfied with their service or practices. I only have {$1.00} balance but I am more concerned that this company is holding my personal information including, Name, SSN, Phone and Credit Card Account number against my wishes I have been unable to speak with a person and instead get stuck in a circular string of text and web " help '' that has been useless. I honestly don't care about the {$1.00} but they should be able to send me a check. 

Please understand I have been the victim of identify theft and credit card fraud in the past which has been a ordeal. I'm concerned that this company could misuse my information or be hacked at some point. I want then to close my account and delate all my personal information. 

Thank you very much for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX - cell