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

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to Equifax pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account held numerous inaccuracies and incomplete information. 

VIOLATIONS : 1. The Date Last Active reflects three ( 3 ) different dates across from each credit bureau ; A. XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Equifax XX/XX/year> ; these inaccurate dates are detrimental because they harm the seven ( 7 ) year length of a consumers right to removal of debt. 

2. The Date Last Payment contradicts the Date Last Active and the Two-Year Payment history. As the report reflects ; I. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. Equifax XX/XX/year> ; In light of this error it clearly demonstrates that my credit report fails to demonstrate 100 percent accuracy. 

Equifax failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. 

Equifax didn't even go as far as Updating this information to reflect accuracy. 

In addition, Equifax failed to provide me proof of the investigation. Pursuant to 15 U.S.C. 1681i ( 7 ). 

Lastly, Equifax failed to mark the account " Disputed by Consumer '', deliberately showing negligence in the investigation. 

Therefore, the multitude of violations complicit by Equifax, in transgression of my constitutional rights pursuant to 15 U.S.C 1679c ( a ), caused degrading prejudice to financial health. 

As well, in accordance to 15 U.S.C 1681i ( 5 ), the law impose that the credit bureaus are not limited to one option in making a determination. 

It is mandated that they delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. 

The law doesnt allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. 

in short, Due process requires that If the investigation does provide consistency, accuracy and completion amongst all [ Credit Bureau ] accounts, then in light of the fruit of the poisonous tree the [ I ] t MUST be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/2016 I inadvertently had my online bill pay system with XXXX XXXX make two mortgage payments. As soon as I discovered the mistake on my part I contacted my bank about it. They immediately contacted your company and got nothing but being put off and frustrated by incompetent employees without a clue of what they were doing. 

It is not three and a half months since we have requested the return of the overpayment and to date your company has absolutely refused to do the right thing. 

We have been told more than once that a manger had approved the return of the duplicte payment and yet your company has steadfastly refused to mail a check to me. Why is that? 

I respectfully demand an immediate return of the duplicated payment. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # # XXXX
Product: Credit reporting or other personal consumer reports

Currently TransUnion is reporting a XXXX XXXX account with a 30 Day Past Due in XXXX of XXXX. My efforts to provide proof that this was not possible have been delayed my errant and misleading responses from the creditor. 

My credit was flawless until such time as this Lender misreported the information and that TransUnion has been unable to get a direct response to my proof. 

XXXX XXXX has had an issue with there records and systems dating back to XXXX of XXXX. It was around this time that they stopped reporting to the credit agencies. 

I discovered issues in XXXX of XXXX when I contacted them to change my payment account to my new checking account. They or there systems cancelled the old account on the second request and failed to use the new account to take the payment that I authorized in XX/XX/XXXX. When I logged in in XXXX of XXXX, I learned that they were missing a payment that I had made a month prior. After providing proof that they had received the payment a month prior they apologized and told me the were having problems with their systems and it was a " bug '' that they still had to work out. It was during this investigation that I learned about the issue in XXXX in which they did not initiate the payment. 

The documentation that I am providing will show what i am saying is true and much of which is admitted in their own words. 
-It will show that I was proactive in contacting them to keep my payment account up to date. 
-It will show that we found more than one error in crediting payments to my account since XXXX of XXXX. 
-It will show that XXXX XXXX did not report to the credit agencies in XXXX, XXXX, XXXX and XXXX of XXXX. 
-It will show that XXXX XXXX reported my XX/XX/XXXX payment status as on-time. 
-It will show that XXXX XXXX did not report to the credit agencies again until XXXX of XXXX as a result of a dispute that I initiated to get them to report the pay-off that was done in XXXX of XXXX. 
-It will show that even with there payment initiation error on XXXX of XXXX the XX/XX/XXXX payment could not have been 30 days past due as there were 2 payments made to lending point in XXXX of XXXX so at best with the error XX/XX/XXXX should have showed late rather than XX/XX/XXXX. I figured this was because they realized it was their error. 
-There responses will show that they would have you believe that even given the multiple examples of proven and admitted errors on my account, the fact that they have had a posted warning on their website for over 7 months warning of account errors that their reporting is accurate. 
- They would rather you believe that someone with a flawless payment and credit history, who they admit was proactive in keeping in contact with them in XXXX of XXXX to update payment accounts would all the sudden choose XXXX XXXX out of my 22 open accounts to ignore and refuse to pay while continuing to keep the rest of my accounts up to date. 
Its all XXXX and everyone can see it. TransUnion should be able to make that determination vs continuing to punish me for the abuses of XXXX XXXX and their faulty systems and records.
Product: Credit card or prepaid card

On XX/XX/2022 I received a promotional email from capital one stating if I upgraded from my venture card to venture x card I would receive 75,000 bonus miles if I spent {$4000.00} with the first 3 months of having the card. On either XX/XX/XXXX or XXXX I upgraded to the XXXX XXXX card using the the link provided in the email. I have since spent well over {$4000.00} on the XXXX XXXX card. On XX/XX/XXXX I received a call from a representative of capital one regarding a claim I put in for the above mentioned bonus miles. Because of time restraints I could not speak with the representative at the moment and asked if I could call him back within 10 minutes. Upon returning call and speaking with another representative, I received an email saying my claim would not be honored. I have the email. Nobody from capital wants to see said email.
Product: Mortgage

Quicken Loans charged a bogus attorney fee by calling the fee item as " Advances On Your Behalf ''. Actually Quicken Loans has never and ever notified me about the fee or had my agreement in advanced.
Product: Student loan

In XXXX, I inquired with my lender ( ACS ) at the time regarding public service loan forgiveness. I was told I wasnt eligible because my wife and I earned too much and the balance of my loans would be paid off in 10 years with the income driven repayment amount. I then proceeded as of XXXX would never be an option for me. I continued to go to school part time while working from around XXXX XXXX. Because I was given advice that I was not eligible for XXXX, my loans were placed in deferment and forebearance while I was a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) I have periodically continued to make payments on my loans despite them being in deferment or forebearance. Note under the XXXX, none of those payments count because payments while in deferment/ forebearance dont count. All because I was told inaccurate information by my loan servicer at the time. I tried doing the responsible thing by keeping my balance lower while in school and none of those payments count! 
Additionally, I was a student at XXXX university pursuing my masters in educational administration. I was told those credits would transfer and they never did. I subsequently had to retake several classes when I moved across state lines!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have mailed countless letters to the addresses depicted on each of the bureaus website to dispute the following recorded inquiries that I DID NOT EVER AUTHORIZE. I asked for documents bearing my signature and application and I began mailing letters directly to the bureaus dating back to XX/XX/2024. I have already tried contacting each individual company who said they do not have my information and I need to contact the bureaus. There was no permissible purpose for the pulling of my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had an ach payment returned in XXXX which I paid as soon as I saw the bank returned it. ( Within a few days ). Not only did this mortgage company charge a return check fee on an ach but without telling me put a certified funds only hold on my account. I have been trying to make my payment for the past 2 weeks and they refuse to accept it. They want me to spend more money and send it by XXXX XXXX. I offered my debit card and told them they could run it because if they were worried about the money not being there they would know with me on the phone because my debit card wo n't work if the money is n't there but that I have the money & I 'm just trying to pay them. Even the supervisor said they ca n't accept my payment. I am worried that I may lose my house because I am now over 30 days late.
Product: Debt collection

This so called debt was removed when it was placed with XXXX after a CFPB complaint in XXXX of 2021. The current debt collector Commonwealth is violating the FDCPA and FCRA by not sending me notice, XXXX or an opportunity to dispute the debt. Thus is the result of identity theft. It is not mine.
Product: Money transfer, virtual currency, or money service

I am unable to timely withdraw my Bitcoins before XX/XX/XXXX ; I will now miss the fork date. Coinbase never even informed me of their decision not to acknowledge the new version of Bitcoin, so I was not able to withdraw my Bitcoin in time. Now that I have initiated the withdrawal, there are delays in the process. These folks seem shady.
Product: Payday loan

On XXXX XXXX, 2015 Castle Payday Loans deposited {$500.00} into my checking account. This was done without any knowledge by myself as I did not apply for any loan. With any company with exception of XXXX company for several years. But never this company. The loan amount is more than what is allowed in California where I live. I live on XXXX and can not afford any loans of this amount. 
I have never received any documentation whatsoever of any kind except an email notice that a payment was due on XXXX XXXX, 2015. This email was received on XXXX XXXX or XXXX, 2015. This notice did not include any amount due, no account number, or my name. The email address that this notice was sent to is an old email address I have for a small business that is not currently in operation. 
I have closed the bank account the {$500.00} went into as that account was not used to apply for the supposed loan and therefore was fraudulently accessed and used. I also feared that the Castle Payday Loans would take payment for the loan. This concerned me as I live on limited income and the fact that I did not apply for or request any loan from this company. I am afraid to contact the company as I fear they will somehow use any communication against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. 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 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

EDFINANCIAL Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the following XXXX Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) I have also already provided the police report created referencing these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial One continues to report old information on my credit report, and its so old and should be deleted.
Product: Consumer Loan

Brief Description:1. On XXXX XXXX, XXXX I received a Notice of Intent to Accelerate and Requirement of Strict Compliance from Santander. The notice gave me until XXXX XXXX, XXXX to pay {$960.00} which was the past due amount. 
** I need to know how many days does the State of Texas allow a consumer for a Right to Cure Default Notice2. I was n't able to pay the above amount. So I contacted Santander and set up a payment arrangement and was advised that my vehicle would not be repossessed. On XXXX XXXX, XXXX my vehicle was repossessed 3. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I made several calls to Santander in attempt to returning my vehicle but I was unsuccessful. 4. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 
5. On XXXX XXXX, XXXX the Bankruptcy was dismissed6. I waited to receive a Notice to Cure from Santander so that I could pay the past due amount but I never received one. On XXXX XXXX, XXXX I received an email from Santander offering a 50 % settlement that 's good for 60 days XXXX XXXX, XXXX. I called Santander on XXXX XXXX, XXXX and agreed to a settlement of {$10000.00} good until XXXX XXXX, XXXX. I asked for it in writing but Santander refused. They told me to call back once I had the money and then they would provide a letter. 
7. In XXXX XXXX, XXXX Santander repossessed my vehicle from a XXXX parking lot. I contacted Santander but they would not return my vehicle. 
8. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I also received, via email, a settlement agreement with repossession fees included good until XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 10. On XXXX XXXX, XXXX the Bankruptcy was dismissed,11. I had n't heard from Santander. On XXXX XXXX, XXXX I sent Santander a Demand Letter. On XXXX XXXX, XXXX Santander declined my settlement offer. I was informed that Santander sold my account to XXXX who then transferred the account to XXXX XXXX XXXX. I have tried to contact XXXX but I 'm transferred to someone 's voicemail and I 've never received a callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires XX/XX/2016 XX/XX/2016
Product: Credit reporting

Ok I seen some information that I never used or did I think someone using my information and making my credit bad identity theft
Product: Credit reporting or other personal consumer reports

I found a XXXX XXXX account on my TransUnion credit report that I did not open. This account is fraudulent and the result of identity theft. I have never applied for or authorized any XXXX XXXX account. 

After discovering this account, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted a formal dispute to TransUnion. I also provided supporting documentation, including the FTC report, my government-issued ID, and proof of address. 

Despite following the correct procedure under the Fair Credit Reporting Act ( FCRA ), TransUnion has not yet removed this fraudulent account from my credit file. 

I am requesting the CFPB 's assistance to ensure TransUnion fulfills its legal obligation to block and delete fraudulent information from my credit report when provided with an official Identity Theft Report.
Product: Credit card or prepaid card

I am reporting a dispute claim from Chime my claim # is XXXX, which is supported by XXXX XXXX  I have submitted documents to support my claim of : {$2500.00}. My first day of opening my claim I got denied in no less of 24 hours. This makes me question if they are even investigate it my claim the proper way I am frustrated with this.
Product: Credit card or prepaid card

Citi sent letter on XX/XX/XXXX advising that if I made payment to current my account would remain open. I called XX/XX/XXXX and confirmed that account would continue to be opened. 2 agents confirmed this so I made a payment for the sum of the account in full, and they sent me a new credit card. On XXXX Citi closed the account after they had my payment and used deceptive practices to collect on the debt and secure funds and will now report the account as closed by issuer. When I spoke to XXXX from the adverse action department with CITI ( agent refused to provide agent ID ) I was told that the account is to remain closed and I would need to reapply. I need the account to remain open in accordance with the promises made by Citi when we spoke on XX/XX/XXXX. The letter attached clearly states to prevent account from being permanently closed payment should be made by XX/XX/XXXX and payment was made in accordance with this letter and confirmed by Citi when we spoke on XX/XX/XXXX and they sent me a new credit card