23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

They have not been reporting the payments thT we made at all just saying we Late but payments are make .payment history enclosed.
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. 

XXXX XXXX XXXX XXXX Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

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: Money transfer, virtual currency, or money service

I ordered XXXX on XXXX for XXXX night, I paid by paypal and I entered the wrong number of guests. The host refused to refund me so I was considering to rebate through paypal. XXXX heard about this and forced to cancel my reservation so that the host can make money from another stay, but they refused to return money to me. Also, paypal refused to rebate for me.
Product: Student loan

I submitted a complaint [ Case number : XXXX ] about the fact that I have been enrolled in school for two years and the ACS refuses to acknowledge that, or provide an option so that I can prove I am enrolled. ( Every other lender is able to access the national database, and does not have this problem ). ACS responded by saying I had to contact them. So, I tried calling, and was on hold for over 30 minutes, and I emailed the website simply asking for an email or phone number or fax number where I could send the certificate from the national clearing house that I am enrolled. I called and sent the email on XXXX XXXX, with the only response an auto reply that I would get a response in 48 hours, but I did get a payment taken out of my account again today. ACS is the absolute worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed the loans from affirm because they were fraud and then put them back on my credit report. 
XXXX is still trying to collect for items returned and never refunded. This is fraud.
Product: Debt collection

I received a letter from the law offices of Scheer, Green & Burke , Co. L.P.A. dated XX/XX/XXXX to collect {$200.00} on behalf of the City of XXXX Camera Violation for an violation they claim occurred on XX/XX/XXXX. 

I have a couple of issues with the debt collection : 1. It is a 9 year old claim and should be well past any statute of limitations 2. I was not the  driver of the vehicle at the time of this alleged violation. 

Requesting your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a paid subscriber to XXXX. For the last month, XXXX has been repeatedly notifying me that someone is trying to take a payday loan out in my name. I called them after the first time they sent me something and they advised I use their payday loan lock and freeze my credit. They couldnt tell me where the loan application came in from which I found to be weird because they keep sending me alerts! Additionally, they told me that I should request my consumer file from DataX in 8 weeks to check for fraudulent activity. It hasnt been 8 weeks since we had that conversation or the first payday loan scam alert so I have not requested it yet. I froze my credit from the big three and set up fraud alerts through the credit reporting agencies. I also froze my XXXX XXXX account. I also filed a report with XXXX. 

Fast forward to now and I am still receiving sporadic alerts from XXXX that someone is using my financial information to try to take out a payday loan. Without the DataX info, its unclear if theyve been successful and nothing has appeared on my credit reports, which I check religiously. 

So, my issue is twofold : One, I think XXXX is providing a misleading service saying they can stop payday loans from being taken out in your name if they cant even tell me which company is making the background request or how exactly theyre able to prevent the loan from being taken out. 

Two, I think it is patently absurd that in 2023, DataX requires me to snail mail a copy of my ID in addition to my social security information for me to receive my consumer file to verify whether my ID has been stolen. That seems to run counter to the vision of the Fair Credit Reporting Act because its an onerous request. Especially when DataX is supposedly an Equifax company and should be resourced enough to have a better consumer-facing product! It feels intentional. Also their website offers the ability to freeze your DataX file but no explanation as to how to unfreeze it. 

An aside - I love the CFPB and all you do to protect consumers!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I rec 'd a phone call from a XXXX XXXX at XXXX XXXX who said she was calling from XXXX XXXX XXXX and that she was an attorney and that this was an attorney 's office. They have called my husband at work numerous times even though they have been asked not to as it will jeapordize his job. When I googled this company it said it was a debt collector and that they had been shut down once. This is for a debt from 2008 that just keeps getting sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my Wells Fargo checking account! I immediately went to my Wells Fargo branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with Wells Fargo. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all XXXX credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that XXXX is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? XXXX is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.
Product: Credit card or prepaid card

I gave the company a date when payment would be made and they continue to call over 10 times a day to get payment. I am trying to work and can't have my phone constantly ringing from this company trying to get a payment when I already told them when that payment would be made. Today I have had 12 missed calls since XXXX and it's only XX/XX/XXXX. I don't appreciate the harassment and disregard for people trying to earn a living during these times.
Product: Debt collection

Hello CFPB, I hope you can help me. 
After closing my case in XX/XX/XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) Patenaude and Felix, a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.
Product: Mortgage

I was notified by 5/3 Bank of a surplus in my mortgage escrow account on XX/XX/XXXX. Today is XX/XX/XXXX - 43 days later and I still haven't received a check. My understanding is that a check is to be mailed withing 30 days.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX and Equifax credit reports, and I noticed some late payments posted on my credit report by the following companies : XXXX XXXX ( reported 30 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( reported 30 days late for XX/XX/XXXX ), and XXXX XXXX XXXX ( reported 30 days late on XX/XX/XXXX and 60 days late for XX/XX/XXXX ). These companies are in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT give you written instructions to furnish this on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

With that said, I am requesting the deletion of the above late payments from my consumer report. XXXX, Equifax and XXXX are all in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent Transunion data breach and may have gotten
Product: Debt collection

Repeatedly calling friends and extended family trying to reach my mother ( elderly XXXX patient ) even after being told by multiple sources to contact me ( durable power of attorney ), and me alone. I have been told that they have also tried to represent themselves as a medical company. Furthermore, upon establishing contact with me, we established a day and time for them to call me back and discuss the matter they are calling for. They did not call, and have only attempted to call during hours I told them I am unavailable to take calls due to work.
Product: Credit card

Denning me access to credit for frivolous reasons. Ive never been late or missed a payment for 2 years
Product: Debt collection

Date - XXXX / Amount - {$400.00} / Violations of U.S.Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S.Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 /! 5 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harassment / Trademark & Copyright Infringement / were sent, issued to company, agency / owner, consumer alleged fraudulent debt was sent as negative debt, late payment, hard inquiry unauthorized as authorize user without the permission of consumer consent to all three credit beaururs XXXX, XXXX, XXXX, causing XXXX, unfair housing and employment opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint against Experian under case number XXXX. I do not feel Experian takes my fraud complaint seriously as I feel the response received was simply brushing off the issue to state the inquiries were accurate. I would like to inquire what method was done to verify the authenticity of the inquiries. I have submitted a fraud report advising I have been a victim of fraud and did not authorize, given permission and/or consent to access my credit for the purposes of obtaining credit. If Experian believes these inquiries are valid, I am demanding signed documentation with my signature listed. If Experian can not provide this information I am demanding immediate deletion of these erroneous inquiries. If these errors are not corrected by way of deletion I will not hesitate to take legal action to which I will demand damages of {$1000.00} per erroneous inquiry. I have listed the inquiries in question below : 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
Product: Student loan

My parents took out private student loans with the now defunct XXXX XXXX XXXX back in 2006 with me as the primary account holder. At the time, the financial crisis was wreaking havoc on our lives and we were forced to take out loans with who ever would offer them in order for me to finish college. After I graduated, the company went bankrupt then split and sold off its loans to other holding companies. These companies either did not reach out to me, or reached out to me at old addresses. 

The splits and buy outs meant that I now had many more loans with many more companies. Having an unknown number of companies to find and contact about what debt I had with them made it very difficult to get my finances in order. As such, XXXX of my loans fell through the cracks and ended up with very large late fee and interest build ups as I did n't even know they existed. 

Since finding that I have these outstanding loans, I have done all I can to come into good standing with them via some type of rehabilitation program. XXXX company, AES, currently would like me to pay an outstanding $ 16,000+ before they will allow me to begin paying the loan amount of {$31000.00} + interest. They will not take any type of negotiation and at this point have assured me that I will be unable to make any progress with them unless the {$16000.00} is paid in full. As you can imagine, this is simply impossible for me. 

I am not looking for someone to step in and erase my debt. I knowingly took on the original loan, and I intend to pay for it as I should. I am however, looking for a way to be seen as something other than a dead beat for attending college. I went to school and worked as hard as I could to be successful in my field. Since graduating I have done just that, but have been treated like some kind of criminal due to these marks on my credit report. 

Any help would be greatly appreciated.
Product: Debt collection

My complaint is against XXXX and XXXX. Address : XXXX XXXX XXXX, XXXX FL XXXX. 

I was sued by this company in XXXX without proper notification that they were taking me to court. I only received a certified letter after the court date stating that the judge had ruled against me and that my license would be suspended if I didn't contact them immediately to set up payments. At the time I didn't have the extra money to hire a lawyer so I just decided to go ahead and set up payment. I have been paying my payment regularly with only 2 exceptions in almost 10 years but they have sent letter to have my license suspended twice and I have to pay a bigger down payment each time to have my license reinstated. However after 10 years of paying I still owe XXXX. How is that possible? They will not tell you when you call if any of the payment goes to interest and if so, how much. The website doesn't show how much money goes to pay down the balance. 

I called the company on XX/XX/XXXX because when I was paying XXXX payment I realized that somehow I forgot to pay XXXX payment so I called to see if I could pay double to correct the account but was informed that they had already sent a letter for my license to be suspended and that I would have to pay 250 down-payment plus XXXX payment before I can have them re-instated. I asked to speak to a supervisor and was told that she sent a request and someone would call me back. It took 48 hours for them to call me back and when I asked why didn't they give me a courtesy call before they suspended my license since I have been paying on time for years and I just had a lot going on and forgot that month. I was told that they do not call and they could not call or email reminders. 

The harassing tactics they use should be investigated. 1. How can you take someone to court without properly informing them and 2. Why do they have the power to suspend license especially for people who are trying their best to pay.
Product: Credit reporting or other personal consumer reports

I submitted my Trust Certificate and Full Irrevocable Trust documents to open a trust account through the branch only to find that the process wasnt followed and was denied by because of a consumer mortgage report that was obtained to open the account. I called the XXXX XXXX department because customer service told me that all trust accounts have to go through and be approved by XXXX XXXX and that never happened. I was given a letter from the personal banker and was told to call the consumer reporting agency only to find that the consumer reporting agency never pulled my report and that there is nothing on my report as stated in the letter. The agency has a different score than the bank because there isnt a risk but the bank changed my risk factor to deny my trust account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my credit report, which I did not authorize. These unauthorized inquiries are negatively affecting my credit score and hindering my ability to obtain a mortgage and other forms of credit. I have already sent letters to the creditors listed below to dispute these inquiries, along with a copy of my ID and SSN to verify my identity, but I have not received any responses. All so Affidavit is attached to this Complaint.

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX