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

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, Equifax and XXXX ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Product: Payday loan, title loan, or personal loan

on or around XX/XX/ i started getting calls from Money Key at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX that i owed a debit to them ( loan number XXXX ) i have never had loan with this company in my life my bank account was compromised around this same time when i lost my ss number my bank and i closed that account and started a new one money key some how had my phone numbers from my phone and was calling my contacts looking for me, i do not i repeat do not do online loans nor have i ever had one with money key this is money keys mailing address XXXXXX/XX/XXXXXXXX XXXX, XXXX  XXXX, XXXX, DE XXXX
Product: Checking or savings account

I attempted to open an account with XXXX XXXX  and was denied. When I inquired about why I was denied, I was repeatedly told that I did not have to be given a reason. PNC never informed me that they were going to report this information to any consumer reporting agencies, and the information they reported is/was not completely accurate per the FCRA. I am a mother who needs her bank account to receive funds to take care of my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking appropriate legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is on my report from all 3 bureaus, Experian, XXXX and XXXX and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, CAPITAL ONE and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Vehicle loan or lease

I LEASED A CAR WITH ISSUES AND WITHIN 2 DAYS I FOUND OUT THE CAR DIDNT HAVE A BELT ON THE ENGINE WHICH IS HAZARDOUS FOR ME MY WIFE AND KIDS THAT I HAVE IN THE CAR AND THEN WHEN THEY PUT ONE ON THERE THEY SAID THAT WAS MY 1 FREE SERVICE WHEN IT WASNT MY FAUKLT THEN THEY DIDNT FIX ENGINE PROBLEMS IN THAT ONE FREE SERVICE AND THEY WONT WORK WITH ME
Product: Mortgage

I submitted a complaint in XX/XX/2021 to HUD regarding the appraisal discrimination I received when I refinanced my XXXX Broker Solutions dab : New American Funding and the XXXX that they selected to use. A case number was established - XXXX. I have had limited contact from HUD and it will be almost 3 years. I do not know if my case is being worked since my emails are not responded to by XXXX XXXX or anyone else at HUD. 
The last communication that I received was from XXXX XXXX with XXXX XXXX copied on XXXX XXXX. That email stated that XXXX was on maternity leave. Let me remind you that this case was open in XXXX. XXXX was not on maternity leave at that time and was not following up with me and when I did hear from her she was short and curt in her responses. 

XXXX XXXX XXXX ( XXXX ) - case XXXX XXXX XXXX ( XXXX ) - XXXXXXXX XXXX supervisor XXXX XXXX ( XXXX ) - XXXX XXXX supervisor I am thoroughly disgusted with the lack of communication from HUD. It is not acceptable for an agency to claim that they will investigate your case, yet never follow up/follow through. There's been a lot of time wasted in which I could have retained an attorney and gotten better results. I'm aware that this is a newly created program under PAVE from the XXXX XXXX, however, that should not be an excuse not to follow through. I would like my case escalated. Home appraisal discrimination is running rampant and I'm not sure what more information/documentation is needed when just about every month there's a city that has a new report on appraisal discrimination.
Product: Credit reporting or other personal consumer reports

REQUEST WAS MAILED IN TO THE COMPANIES.. BACK IN YEAR XXXX WHEN I FIRST LEARNED BEEN TRYING EVER SINCE. THE ONLY INQUIRIES ON MY REPORT SHOULD BE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting non mailable addresses that is causing me harm. I have sent numerous documents proving my address and Experian continues to report inaccurate information. My correct address is XXXX XXXX XXXX XXXX TX, XXXX. My name is XXXX XXXX. Please stop reporting any other information as it is not correct. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit card

I filed a dispute in XXXX 2023 and citi dispute center resolved the dispute after getting response from the merchant. 

The letter from citi dispute center stated " If after reviewing the merchant 's documentation you still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of your dispute. " " Please sign and return this letter with the requested information by XX/XX/2023. Please do not send photographs, smart phone pictures, or zip files as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Please reference this ID in the subject line of your email : XXXX. '' The merchant provided some false answers in their document. So I sent my response on XXXX XXXX to the citi provided email XXXX through my gmail account before the deadline XXXX XXXX. The email was received since there was no bounce back. But a week later when I called in to check the status of the dispute, I was told the response was not received and ask me to send it again. And I forward my original response to the same email and on the following day I faxed the same document through XXXX  to citi fax number and the fax was successful. I called in again and I was told the response was received. On XXXX XXXX, I got the investigator 's response better stating that my response was not on time and so the dispute was closed. 

The fact is that I sent my response on XXXX XXXX which was on time since it is before the deadline XXXX XXXX. I sent my response on time but they did not handle it on time. But the investigator still rejected to reopen the dispute.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

INQUIRIES : XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated. 

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error. 

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB. 
The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes. 

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974. 

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Product: Debt collection

I tried to get it removed for the right balance amount they say I owe XXXX but it's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, XXXX XXXX, Experian and XXXX XXXX is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.Experian and XXXX XXXX failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b )  and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, XXXX, and Experian and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXXXX/XX/XXXX Reported : XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid " XXXX XXXX XXXX '' {$100.00} on paypal for two concert tickets. She ( her name on XXXX was XXXX XXXX ) sent me the tickets, and then I later realized they were fake and would not work. Once I reached out to her to ask, she stopped responding all together.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid collection for XXXX XXXX credit card of {$290.00} XXXX XXXX in paid in full .Should be off my credit report as owed XXXX years ago.
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 24 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. There arw XXXX inquiries on my XXXX report that are inaccurate. I also have an XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  that are inaccurate on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I filed a complaint with the CFPB, about how TransUnion continues to place incorrect information on my credit report that is under my son XXXX XXXX XXXX and not belonging to XXXX XXXX XXXX. I have attached the conversation that was had with their representative XXXX, who confirmed that me and my son have our credit profiles combined and have been combined for some time now. ( See attached ) Neither of us are able to view our profiles and we have been blocked form the site. ( See attached ). I have asked for a copy of my credit report that I have not received. I have asked for method and proof of verification of the accounts in question in the last complaint I filed and still have not received that. The accounts do not belong to me, but they have shown no proof that it does. I want the following accounts removed from the profile of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With both of us having a mixed credit profile, you are clearly not doing your jobs. I also want the Hard Inquiry 's that belong to my son removed from my profile. Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both XXXX XXXX
Product: Mortgage

I have a HELOC with XXXX XXXX XXXX. I made an on time payment. The Company reported it as delinquent and after speaking with them they said it was an error on their part and would resolve the issue. After almost 90 days of waiting for a process that they said they would expedite to get it resolved. It is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my report.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts and ask that they are removed immediately or I will follow up with legal actions!
Product: Credit card or prepaid card

My wife and I have two credit card accounts with Chase bank under the Southwest Airlines Rapid Rewards program. We wanted to close one of them. 
I spend about two hours on the Chase bank website and downloaded and read the entire " Terms and Conditions '' of the credit card contract ( attached ) and could not find ANYWHERE what I needed to do to close the account. 
Just FYI, I am an attorney. It is very basic contract law that the contract include how either party can terminate the contract, but the Chase bank " Terms and Conditions '' of the credit card contract does not include any information about how a consumer can cancel or terminate their credit card.