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

Transunion and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. XXXX sent me a letter stating that accounts could not be verified and deleted immediately. 

Transunion and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again XXXX deleted because it was unverifiable ; as well as, XXXX XXXX which again XXXX deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " XXXX '' did there job and correctly removed items and I need Transunion and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, a girl on XXXX asked if I wanted concert tickets. My daughter is a huge fan and this woman was a friend of a friends. I sent her the money through XXXX. It turns out this person does not exist and ghosted me completely. I contacted Wells Fargo since thats who XXXX is through on my account. They said they researched it but I never got my money back even after they promised I would get it back in XXXX business days. Today I contacted XXXX too after I spoke with representatives of Wells Fargo and they told me I would not be getting money back since this was my fault for getting scammed. Im now trying to find out what I can do, but no one can help. My bank who is supposed to help me, refuses to help saying its hands are tied. This is a XXXX XXXX company where the ceo gets XXXX every quarter. And they cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my file 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. 

XXXX. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? 
XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. You
Product: Credit reporting or other personal consumer reports

It was so unsettling to find unexpected errors on my credit report today. I had no idea why this was happening, especially since I regularly monitor my report, yet today I found discrepancies that wouldnt go away even after refreshing the page. I would appreciate a thorough review of my submitted documents to ensure this doesnt happen again and to restore my confidence.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my LexisNexis Consumer Report. Upon reviewing my report, I found errors that require immediate correction. 
Errors Identified : Incorrect Name Variations : The report lists incorrect name variations, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX My full legal name is XXXX XXXX XXXX XXXX XXXX and I request that it be updated accurately in all your records. 
Please update my primary address to XXXX XXXX XXXX XXXX, XXXX, OH XXXX, as listed in my government-issued identification
Product: Credit reporting or other personal consumer reports

CHEXSYSTEMS HAS REPORTED XXXX XXXX  CLOSED MY ACCOUNT UNDER DEROGTORY CIRCUMSTANCES & I CAN NOT OPEN AN ACCOUNT WITH ANY BANK NOW NOR FID  XXXX XXXX HAVE THE RIGHT TO CLOSE MY ACCOUNTS DUE TO THE INFORMATION PROVIDED WAS INCOMPLETE, IE IDENTIFY THEFT & FRUAD.I SUBMITTED THE AFFIDAVIT TO CHEXSYSTEMS WITH THE INFORMATION REQUSTED.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about my consumer safety.
Product: Consumer Loan

We traded in our Leased Car. XXXX Honda said they will pay our Mileage fee, they said bring them the bill once I receive it and they will cover it. My wife brought them the bill and they said they will take care of it. The bill was for {$190.00}. A few days ago I started receiving several calls from Honda saying we owe {$190.00}. We called the dealership they claimed they handled it. Today my credit was hit with a late payment for the {$190.00}. Being a former debt collector, their collection team practices abusive collection practices. I was call 5 times in 10 minutes by their company. I have attached a copy of the missed calls from there collection department. I am demanding that they delete the negative mark on my credit as we never missed a payment and paid the lease off 2 months early. XXXX Honda was responsible for paying the {$190.00} mileage fee as per our contract when we purchased a new vehicle from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character 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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Mortgage

I am being forced to file this Complaint because Select Portfolio Servicing , Inc., hereinafter referred to as SPS, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX. Due a financial hardship in XX/XX/XXXX, I fell behind in my scheduled monthly payments. The last time I made a payment on this consumer debt obligation was XX/XX/XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. In XX/XX/XXXX, it is purported that XXXX XXXX As Trustee of the XXXX Trust was assigned the beneficial interest under my Deed of Trust and not the Promissory Note. At the time of this purported transfer, the debt was contractually due for the XX/XX/XXXX payment. SPS purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, SPS and XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess me from my home without the legal right or authority to do so. Despite numerous attempts, they have failed to validate the debt and have failed to provide me with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although I have taken legal action against them, they have not stopped their collection and enforcement activities. I am filing this Complaint to make the CFPB aware of their wrongful and illegal actions. The California Supreme Court has confirmed that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and is enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt or collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. SPS and XXXX XXXX are engaging in acts that are causing substantial harm not only to me but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Every time I find incorrect information on my credit report whether it is personal or otherwise I dispute it. Now keep in mind I am disputing information a company has given to the credit reporting company without having to prove any of it. In fact upon speaking to someone at the credit reporting company I found out this information from the reporting company is given verbally aka over the phone or via email. The company giving this information only has to provide enough information about me ( which they can obtain most of from the credit reporting company itself ) for the credit report company to it on my credit report ; no documentation is required. When I dispute say a incorrect account the credit report company has to verify it with the company who reported it ; this includes even when I provide documentation from the company who reported it in the first place. If a company verbally gives the credit reporting company updated personal information about me such as address, etc. and I dispute the information as it is incorrect, I have to mail in documentation PROVING that it is incorrect. The documentation I have to send in is very specific such as a state issued ID, utility bill, etc. I have had to correct my address with the credit reporting companies many times over the years.
Product: Debt collection

There is a company called XXXX in this address XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX which has been calling me for more than a year and asked me to pay a hospital bill six years ago. But I told them that my last name was wrong and I have medical insurance and all members of my family and I asked them why I don't pay and I have medical insurance? Then the company asked me to send a copy of the medical insurance card, and I actually sent them a fax by a year ago and they told me to consider the problem had been solved. But after a year I was surprised to see a negative report from that company on my credit record.Now that company refuses to answer my calls without making any excuses and speaks to me in an insulting manner
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

On XX/XX/XXXX I disputed the following bankruptcy listed on my TransUnion consumer report : XXXX XXXX XXXX XXXX XXXX  Georgia. The dispute came back verified as accurate on XX/XX/XXXX. 

I called TransUnion to discuss the details of the investigation and to confirm the furnisher of the information on XX/XX/XXXX. A representative by the name of " XXXX '' in the " Specialized Fraud Department '' told me it was furnished by the XXXX XXXXXXXX XXXX XXXX XXXX  Georgia. However, the bankruptcy court already stated they do not furnish any information to credit reporting agencies and are not responsible for the misuse of that information. He stated he did not have much information and asked if I would like to open a new dispute only. 

As requested, no proof of investigation was provided. Proof of my expressed written consent to furnish the bankruptcy as per 15 USC 1681b Permissible purpose of consumer reports, was not provided either. TransUnion did not have my expressed written consent to furnish this bankruptcy on my consumer report. It is a violation of federal law under Title 15 of the US Code. 

I also recently disputed the above referenced Chapter XXXX Bankruptcy with XXXX XXXX because it was being furnished and shared with TRANSUNION, and other third-parties without my written consent or authorization. Furnishing bankruptcies without the expressed written consent of the consumer is an Invasion of Privacy and a violation of the Privacy Act of 1974. 

As a result, XXXX XXXX has removed this bankruptcy case from their records in compliance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) I have attached a copy of the investigation results showing the removal of the bankruptcy case. 

Because TransUnion did not perform a reasonable investigation, or provide me with accurate information on who is furnishing this bankruptcy, they are in violation of FCRA 1681 for willful non-compliance and negligent non-compliance punishable by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went onto Capital One online to check my score through there credit wise there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th dispute with this creditor. 

I have called them multiple times asking them to remove XXXX my old XXXX XXXX provider from my credit report as my XXXX XXXX  provider is XXXX as of XX/XX/2023. I have provided Experian the letter that XXXX mailed me proving that my XXXX XXXX have been transferred. I have provided images also providing that my XXXX XXXX have been transferred from XXXX to XXXX. 

I have called Experian asking them to get on the phone with me and have a 3 way call with XXXX to confirm that XXXX is no longer my XXXX XXXX provider and I have a {$0.00} balance with XXXX and every time, Experian says they do not have anyone available to do the phone call with me but they will have a supervisor call me back and they have continuously failed to call me back and join a 3 way phone call with me, Experian, and XXXX. 

I have a {$0.00} XXXX XXXX balance with XXXX. XXXX has updated my XXXX XXXX balance to ONLY show XXXX. I do not understand how Experian can not explicitly see that I have a {$0.00} XXXX XXXX  balance with XXXX and that XXXX is my ONLY XXXX XXXX XXXX
Product: Mortgage

I am requesting assistance on a reverse mortgage issue for my brother, XXXX XXXX XXXX. He is a XXXX veteran that has had a XXXX and struggles daily with memory issues. He has been able to live in his home until a recent bout with co-vid 19 at which time he was hospitalized and is currently in a skilled facility for rehab. XXXX did a reverse mortgage with AAG in XXXX. 
XXXX XXXX has been his power of attorney since XX/XX/XXXX so he is handling paying XXXX monthly bills during his nursing home stay. In going through his paperwork we discovered a notice from AAG stating that XXXX XXXX has been sold at auction and he will need to exit the home by XXXX of XXXX. We made sure he was paying the taxes and home insurance. We are unable to get much information regarding this but we were told by the XXXX XXXX XXXX that it was because he did not complete the paperwork to state he was still living in the house. We have been unable to find any paperwork requesting this information. We do not know which way to go with this and don't want him homeless. Any assistance would be appreciated. POW is XXXX XXXX XXXX. XXXX. or ( XXXX ) Thank you
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1300.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$13000.00} XXXX   XXXX {$480.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$620.00} XXXXXXXX   XXXX {$7900.00} XXXX XXXX {$13000.00}