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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Incorrect Address - XXXX XXXX XXXX, XXXX NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Debt collection

Received a collection letter from NORTHSTAR LOCATION SERVICES LLC XXXX XXXX XXXX XXXX NY XXXX PHONE XXXX XXXX XXXX   CREDITOR XXXX XXXX XXXX ( PAYDAY LOAN ) BALANCE DUE {$2100.00} I ASSUME THEY PURCHASED THIS LOAN FROM XXXX XXXX/ PAYDAY LOANS ARE ILLEGAL IN THE STATE OF NEW JERSEY UNDER CONSUMER LOAN ACT , N.J. Stat. Ann. tit. 17, 1 et seq., N.J. Stat. Ann. 2C : 21-19., N.J .

Ann. 17:15A-47 They are attempting to pursue a judgement on an illegal loan.

The loan was for XXXX  I have paid $ XXXX.Principal balance left {$980.00} I will be sending certified letter to them stating they are in violation of NJ LAW FOR PURSUING COLLECTION OF AN ILLEGAL LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the inaccurate items on my credit report with XXXX, Experian, and XXXX no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from US Dept ED need to be removed from my credit report from all 3 bureaus due to successfully completed the rehab program. 

Please Help thank you XXXX XXXX
Product: Prepaid card

I opened up a prepaid card with the company Netspend. I had my tax return that was XXXX deposited I sent over XXXX and was left with a little over XXXX. XX/XX/XXXX Netspend locked my card. I called Netspend was told by a representative that after a 20 day review that they would mail me a check. I spoke with them after 20 days XX/XX/XXXX I was told that they were going to send me a check. I called XX/XX/XXXX and was told by a representative that it will take 60 more days. I asked the representative was it anything I need to provide in order to release my funds and was told no. Netspend have no right to hold my funds. I asked Netspend if they wasnt going to cut me a check could they send it back to irs so that I can receive my funds. Im facing a hardship and I need my tax return
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Reinvestigation and Documentation of Disputed Accounts Dear XXXX XXXX ( XXXX ) I am writing to formally request a reinvestigation of several accounts listed on my credit report that I previously disputed, as they continue to cause damage to my credit profile. This request is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that you ensure the accuracy and completeness of the information reported on my credit file. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate these accounts to ensure they are accurately reported. Additionally, I request that you provide me with the names and titles of the individuals who verified these accounts during your previous investigation. 

After completing your reinvestigation, I kindly ask that you remove any accounts that are found to be erroneous or inaccurate. The persistence of these inaccuracies is undermining my ability to maintain a clean credit profile and to access credit opportunities. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframes stipulated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX XXXX XXXX ss # XXXX
Product: Mortgage

I recently looked at my credit reports and noticed that this GMAC MORTGAGE reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
Product: Credit reporting or other personal consumer reports

I submitted disputes to Experian on XX/XX/XXXX, regarding inaccurate personal information and inaccurate accounts on my credit report. Experian egregiously failed to comply with the Fair Credit Reporting Act ( FCRA ) in multiple ways : 1. Failure to Respond Within the 30-Day Timeframe Violation of FCRA Section 611 ( a ) ( 1 ) Under FCRA Section 611 ( a ) ( 1 ), Experian must complete an investigation within 30 days of receiving a dispute. 
XXXX response was due by XX/XX/XXXX, but they did not provide any response until XX/XX/XXXX, and XX/XX/XXXX. 
This delay constitutes a blatant violation of the FCRA, and any items not properly verified within the required time must be deleted immediately under FCRA Section 611 ( a ) ( 5 ).

2. Failure to Provide a Method of Verification ( MOV ) Violation of FCRA Section 611 ( a ) ( 7 ) Experian updated and verified accounts as accurate without providing a Method of Verification ( MOV ) upon request.

They did not disclose how they verified the disputed accounts or provide any documentation proving their accuracy.

This violates FCRA Section 611 ( a ) ( 7 ), which requires Experian to disclose its verification process upon request.

3. Failure to Update Personal Information Violation of FCRA Section 609 ( a ) ( 1 ) Experian refused to update my personal information, including : Incorrect names listed on my report Incorrect addresses still reported after multiple dispute requests This directly violates FCRA Section 609 ( a ) ( 1 ), which mandates that consumer credit files must be accurate and updated upon request.

4. Failure to Remove Unverifiable & Inaccurate Accounts Violation of FCRA Section 611 ( a ) ( 5 ) Instead of deleting inaccurate accounts that could not be verified within 30 days, Experian continued to report them as accurate despite conflicting information across the bureaus.

If Experian can not verify these accounts with factual evidence, they are required to delete them.

Under FCRA Section 611 ( a ) ( 5 ), unverifiable accounts must be removed, and Experian has refused to comply.

5. Reporting Inconsistent and Conflicting Information Across Bureaus Violation of FCRA Section 607 ( b ) The accounts that Experian verified as reported contain multiple discrepancies when compared to XXXX and XXXX : Conflicting payment histories Inconsistent balances Different delinquency dates Under FCRA Section 607 ( b ), credit bureaus must ensure maximum possible accuracy when reporting consumer information. Experian failed in this obligation by verifying accounts that remain inconsistent across bureaus.

Recent CFPB Enforcement Actions Against Experian Support My Case In XXXX, the CFPB sued Experian and other major credit bureaus for violating the FCRA, citing : Failure to properly investigate consumer disputes Failure to delete unverifiable information Providing misleading credit reporting practices that harm consumers Experians handling of my dispute aligns with the unlawful practices the CFPB has already sanctioned them for.
Product: Checking or savings account

On XX/XX/2021, I discovered a {$10000.00} charge to my XXXX checking account..originally written for {$200.00} to my newspaper delivery ... which was overwritten/forged ... and cashed..for {$10.00} at a Wells Fargo branch.. I filled out all the necessary paperwork at XXXX..which was forwarded to Wells Fargo and acknowledged by them on XX/XX/2021. No reply. Numerous attempts by my XXXX banker have elicited no response.
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 XXXX Account Numbe XXXX Account Name : XXXX XXXX Bankruptcy Account Numbe XXXX Account Name : XXXX XXXX  Bankruptcy Account Numbe 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

( CONSUMER ADJUSTMENT COMPANY ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL TAKNG LEGAL ACTION AGAINST ( CONSUMER ADJUSTMENT CO ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Debt collection

On XX/XX/2022 I called IQ Data International because I received a collection notice in the mail. The amount was due to moving out of an apartment and the final bill associated with the move out. I did not have the bill from the apartments so I was not able to see the itemized charges/or confirm the amount due. THis ( the collection notice ) was the fist mention of the charges to me. I recently moved ( obviously ) I asked the assigned agent to please provide to because I am unaware of the charges and wanted to know the itemized listing of the charges instead of being told it was " damages and utilities ''. Instead he got upset and proceeded to tell me its too late if I don't agree with the charges because I should have been at move-out inspection to refuse them. And some other stuff if I'm not paying about my willful invasion or something. I let him know I was unaware to be present at move-out to do so as I was told ( by the apartments personnel ) to just leave the keys and a bill will be sent. He said it was in my lease and continued that even if I don't agree with the amounts charged from the apartments it was too late to dispute them. So I said fine but I would still like to know what I am being charged for to make sure I agree with the amount. He refused and said he will not waste his time to do the extra work or get his manager to waste their time to provide itemization of the charges for someone with no intent to pay who will just hang up in the middle of the call. 

I intended to pay, hence I called. I just wanted to verify the amount being charged to make sure It was no extra fees and that was the actual amount from the original creditor because I've had experience of collectors adding unverified charges to consumer accounts. I thought it was a given right to know that information. 

So, I just said I will hang up because he was getting upset about something or maybe he was in a bad mood today. I don't know why, its not like I asked him for money. So I called back and was transferred to him again and politely asked to speak to someone else. I waited on hold then decided to hang up and call back because I wanted to get it resolved but also know that the amount is not inflated, especially since they were charging interest on the account. 

I called and asked to speak to anyone but the case person assigned to my account. They were friendly and I paid the amount because that was the whole point of calling and I didn't want more interest charges. She informed me I could pay and dispute the charge or something but I just wanted to verify the charged amount. I wasn't saying I disagreed or agree with the charge but I only wanted the amount confirmed and itemized so that I could know there were no extra charges in there from the debt collector aside form the interest charges I found out about today. I don't mind paying what I owe. I just want to know that I am paying for what I actually owe and that the charges are all mine. I was not given the opportunity to check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit card accounts open with XXXX XXXX in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by XXXX XXXX that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking XXXX XXXX for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to XXXX XXXX @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and XXXX XXXX even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like XXXX XXXX to appreciate a customer who has never stiffed them on principal or interest and have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX - account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX - account # XXXX 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 an account without my written instructions
Product: Credit card or prepaid card

I received a promotional offer email of the capital one quicksilver card saying that once I got approved and spent {$500.00} on the first 3 months, I will receive {$200.00} cash reward. So I applied the card and got approved, spent more than {$500.00} on the first 3 months but never receive the {$200.00} cash reward as advertised. 

I called capital one twice and they just said that they can not give me the {$200.00} cash bonus, without a appropriate reason. This is really unfair for me. 

Please see the attached picture for the {$200.00} cash reward advertisement email they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit reports and the following information is inaccurate : XXXX XXXX acct # XXXX has a XXXX Balance and Furnisher agreed to drop from reporting and Trans Union has failed to comply! 

-XXXX  XXXX XXXX have three accounts with a XXXX Balance and Furnisher agreed to drop from reporting and XXXX has failed to comply! 

-XXXX XXXX  account # XXXX has a Zero Balance and Furnisher agreed to drop from reporting and XXXX has failed to comply!
Product: Credit reporting or other personal consumer reports

I lost my job XX/XX/27 immediately called mortgage company they put me a short term forbearance. Then right before like they told me two weeks before my forbearance was going to end i called to ask for an extension as i still was nothing working. I sent everything i needed too never heard of any lapse. Everything I was told to do I did timely. All of a sudden i look at XXXX XXXX and my score dropped XXXX points due to no fault of my own. My mortgage doesnt kick in until XXXX which i am trying to get a modification but they ignore me. I have left messages for a supervisor to call me i get nothing They are reporting me five months past due I AM ON FORBEARANCE I would like all this removed from my report as this is false, my account has been flipped through so many agents every two weeks its crazy when i submit paperwork then all of a sudden i get a letter your new point of contact. not one letter saying i am past due just they you are on a short term forbearance or an extension was granted
Product: Credit card

I had an account with Synchrony Bank ( formerly GE Credit ) for XXXX XXXX stores which was closed and paid in 2009 but it remains on their system and they say it can not be removed despite the fact that is closed, can not be used and should not be in their database this long. They refuse to remove teh account.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going Im not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks now but I just remembered I could report on here aw I feel they are not doing their job properly and it is XXXX me a grey deal as I used for talent quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Mortgage

HSBC mortgage services did not report my on time payments from XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get my annual free report from transunion for 4 weeks and I am unable to have the report delievered to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, XXXX XXXX and EQUIFAX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX onXX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.