23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my report and saw 2 accounts that are not mine. These are fraudulent and should be removed as soon as possible in compliance to the FCRA. Thank you. 

XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXXXXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got a line of credit through SELECT PORTFOLIO SERVICING on XX/XX/year> and I was making a monthly payments on time till I paid the loan complexly, I was never late even once. When I checked my credit I saw a company XXXX XXXX that was reporting a late payment for the same amount but different account number, I never sign up with this company nor made any payment to them, I never heard about this company before. I believe there was some kind of mistake made in the system! Maybe the loan got sold to a new company but I always paid on time to Select Portfolio servicing. Thank you!
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  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/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 XXXXXX/XX/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 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

According to USC 1681s-2, 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 accurate. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Mortgage

I am a XXXX XXXX XXXX Veteran that has served the country for the past XXXX years. Because I am 100 % total and permanent XXXX XXXX  says I don't have to pay property tax. I've turned in all documents to my mortgage company NFM Lending on XXXX XXXX, 2021, XX/XX/XXXX and XX/XX/XXXX. The required documents included a tax bill from the State of XXXX for XXXX to XXXX, a letter from XXXX XXXX Department of Taxation showing that, and an updated tax bill showing that exemption has been granted. Every time I call for a status I am told that I haven't turned in something. I've called XXXX  times and told a different reason. Once I turn in that document then I'm told oh you need " this this and this ''. I was told the last time that the letter doesn't show how much is get discounted. I explained that the Tax Article listed on the document from XXXX XXXX  Dept of Taxation is for complete exemption. I asked them to even look up the article and read it for themselves. I am in need of assistance in this. Feel like this company is being taking advantage of Service members and they don't want to do what's right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Debt collection

I was in a car accident dated XX/XX/XXXXand I was falsely accused at fault. I had no support system at the time and I was very young. Anyways, I told the police officer my side of the story, and he cited me a ticket, even though I was the last person he talked too. The person who was actually at fault was the one who stopped in the middle of the bridge, with no hazard lights on while traffic on the opposite side of her was still in motion. My insurance company dropped me, and they did n't pay for no property damages, and no liability damages. ( Please note at that time : liability insurance was not required by the state of Florida ) So the driver that stopped in the middle of the bridge ends up suiting each vehicle that was involved in the accident, it was 4 vehicles total that was involved. So I get a letter from a debt collection agency saying that I owe them XXXX. Little did I know, at that time, I actually did n't owe them a debt, because I never had an account with them. But they are making me sign a contract stating that I owe XXXX and I could settle for {$4500.00}. So I took the settlement for {$4500.00}. I paid them onXX/XX/XXXX, and the next day, I was a victim of ID Theft. So I called them and told them what happened, and now they tell me I owe XXXX all because I did n't pay them as agreed, which I did pay them. I got a letter from on XX/XX/XXXXstating they are going to have my license and registration privileges revoked if I do n't pay the debt that I owe them. Which I do n't owe them anything, because I never had an account with them at all.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to correct the balance/status that XXXX XXXX is showing on my credit report with Experian, This house was sold and paid in full XX/XX/XXXX. 
Experian is showing the status as " Open/Never late. Deferred, payments begin XX/XX/XXXX '' with an outstanding balance of {$220000.00} as of XX/XX/XXXX. Neither of this is correct! 
I filed for bankruptcy in XX/XX/XXXX and the house was never reaffirmed so amount should have been changed to XXXX back then, but it was sold anyway on XX/XX/XXXX which also should have made this balance XXXX! This account is no longer open and payments are not due in XX/XX/XXXX?? This needs to be corrected immediatley, this is ridiculous! 

I've attached what I could from my XXXX XXXX account showing it is paid in full and balance is XXXX. No statements have been available since XX/XX/XXXX.
Product: Credit card

Hello, This is regarding an incorrect late mark on my credit report by Macy 's. Macy 's removed my auto pay set up with out my consent. I received a call from them a month later stating that I had a late payment for XXXX 2014. I talked with the rep and we did digging to find out why the auto pay got cancelled and she confirmed that Macy 's canceled it on their end. She mentioned that the auto pay got cancelled because my minimum for prior months was XXXX ( of course because I did not use it those prior months ). The minimum payment should have been documented as XXXX ; not the cancellation of my auto-pay. The rep agreed and removed the late fee that resulted from this error ( see the XX/XX/2014 attachment ) and took the payment from me. I reviewed my credit this XXXX and found the late mark from Macy 's still on there despite the fact that this should have been resolved last year. I have contacted Macy 's several times regarding this and they have been very rude and. I then proceeded to dispute this information. The first time I only had a description of the issue on the dispute and they responded " current and 30 day late payment ''. This was not my fault and was an error on their end. I then disputed once again and called the credit bureau to see if there was any way to send attachments as proof. They let me do that. Macy 's did not look at this information and responded to the dispute with a " " blank space. No comment, no explanation, no nothing. I have attached these documents and decided to file a complaint on them. Their approach is completely inappropriate and their negligence to review all supporting documentation that came with the dispute is unacceptable and leads me to believe that they are not willing to take responsibility of their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with XXXX credit card. It went delinquent in XXXX and was charged off in XXXX. A new collection agency just put this back on my credit last month and is reporting the account going delinquent and charging off in XXXX so they they attempt to collect a debt that is no longer collectable. The debt had already been off my credit for years. I contacted them and they said they did not care and were going to collect.
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 again after my complaint last XX/XX/XXXX, XXXX the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof please verify these reporting accounts : XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00}
Product: Consumer Loan

I honestly do not know what this company is calling my mother for, in regards to me. I returned a call to XXXX and when I was connected to extension XXXX to a XXXX, all he asked what was my location. When I asked XXXX XXXX what this was in regards to because I was searching online for some information on XXXX and Associates, and I could not find anything. XXXX XXXX then became very irate and said that it was irrelevant, and If I wanted to make this hard or easy. I then told XXXX XXXX, that 's just it sir, make what hard or easy? I am just trying to see why you all keep harassing my mother. He then yelled very loudly to serve you papers, or something of that sort. and I said, papers for what I do n't think I 've done anything wrong. He then became very angry and proceeded to hang up on me, but before the phone hung up, he was heard saying just send the units out. All the while he was talking over me. I do not know what this call was about, but whoever XXXX XXXX is was very rude and unprofessional to me, in addition to scaring and harassing my mother. I do n't appreciate this kind of harassment, especially when I respectfully asked for information and was n't given any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report, despite my multiple disputes. 

The issues include : 1. Incorrect account dates ( opening and closing dates ).

2. Inaccurate balances that do not match actual amounts.

3. False late payment history that is not reflective of my account activity.

These failures violate the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) : Credit bureaus are required to ensure the maximum possible accuracy of the information they report.

Section 611 ( a ) : Bureaus must properly reinvestigate disputes and remove or correct unverifiable information.

Section 623 ( a ) ( 3 ) : Furnishers of information must report accurate data to the bureaus.
Product: Checking or savings account

My wife and I have many CD accounts in our traditional and XXXX ira 's. We transfered them from XXXXXXXX XXXX XXXXXXXX State Farm bank because the interest was so much higher. The government made State Farm bank to transfer all of my wife and I IRA 's to US Bank. US Bank is a brick and mortar full service bank and has very low interest rates. Also the nearest US Bank is XXXX miles away. The State Farm office is a mile away. 

So, I am in the process of transferring all of our CD 's from US Bank back to XXXXXXXX XXXX. It is a night mare. I have to do the following : 1. ) XXXX XXXX Bank and open up an new account with a new number.

2. ) Go to State Farm and have them physically send a fax to US Bank to request a transfer.

3. ) I then must chase US Bank by phone to insure that the paperwork is being processed. 
They do not allow me to talk to someone in their IRA department and I must go through customer service that doesnt have my information about the CD. Sometimes they give me wrong information. When I ask to speak to a manager, they put me on hold and the manager gives me a message that they are helping someone else and will get back with me and never do. On top of that they send me letters saying I have ommited information on the form. The copy of the fax I have shows the correct tnformation. 

Also they have placed a XXXX dollar yearly fee on my wife 's account because they say she doesnt have enough money in her account. We never agreed or signed anything to permit this and this was never on any of our accounts with State Farm Bank. 

I have spent many frustrating hours on the phone with US Bank trying to straighten this out. They are incompetent. 

These CD 's are time sensitive. I only have 10 days after maturity to transfer or distribute the funds. Also these are retirement funds and I must take them out for our XXXXXXXX XXXX 

I can not withdraw the funds to myself because the government only allows us 1 rollover a year. 

It is a real nightmare. 

Is there any way possible we can transfer these funds without a penalty?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 cfpds findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

Requested enter detailed information for pre-qualification. Told I am approved for up to {$7500.00}. Gave me a link to finalize application and offered me simply {$1000.00}. Asked how such a MAJOR discrepancy can occur. Offered no value explanation. Problem is final decision was based on same information as pre-qualification. Yet gjve two dramatically different credit approval amounts.
Product: Payday loan, title loan, or personal loan

This morning I received a call from an unknown number and the lady would not provide her name, but stated she was calling from XXXX XXXX XXXX XXXX. She asked if I had received any documentation in reference to my case, I told her no in which she provided me a case number and a XXXX number to call for further details to my case because she was only able to call a verify my location. I tried asking her name again in which she quickly stated that she is only supposed to call a verify location and told me good luck and hung up the phone. I called the XXXX number given and spoke with a lady by the name of XXXX XXXX and she was calling in reference to a breach of contract between myself and Ace Cash Express, for a loan I received in XX/XX/2017 in the amount of {$500.00}. She asked if I had an attorney I stated no and I began to tell her that I did not have any loan with Ace, XXXX became very rude stating that I received the loan and when payment became due my acct was closed which resulted in breach of contract due to Ace attempting to contact me several times. I told her I had received no letters and/or phone calls. She called out an email address to me that I had never heard of and an employer by the name of XXXX XXXX XXXX. I told that was not my info for email or employer because I've been employed with XXXX for 4 years. I began to explain to her that the date mentioned above my wallet had been stolen so there was no way I created that loan and also my credit score is in the 300 's and I would never be approved for such a high amount. XXXX, once again speaking rudely, stated that she was going to document the account with my statement, but the phone was not for me to file a dispute and that once I receive my court documents I could come dispute this in court. I tried several times on the call to get some information from acct she was reading and she told me that she could not provide me the info. I'm sure that is incorrect because if you're calling in ref to any legal matters or unpaid debts, I have a right to know what's going, especially since I am unaware of this loan and know for a fact my wallet was stolen in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CRAs/XXXX ; Experian ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXXXXXX ; inquiry date XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX  ; inquiry XXXX
Product: Credit reporting

I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my XXXX report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my XXXX and Experian reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for XXXX. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. XXXX rang and then went dead and Experian 's number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own credit report!