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

Transunion has failed to update my creditor report numerous times. I have old and outdated information in my report. The report lists accounts that are closed and accounts that do not exist. The TransUnion company tries to blame the banks or creditors. But the other XXXX credit agencies have updated to reflect the proper information under my report. This agency doesn't take ownership for not updating the report monthly like they are supposed to for each consumer. I shouldn't be getting declined for a credit card because of the non-existence of XXXX credit cards, XXXX auto loans, XXXX student loans, and XXXX personal loans on my credit. I have XXXX XXXX XXXX credit card, XXXX XXXX account, XXXX student loan, and XXXX auto loan, and XXXX personal loan. Where are they even getting the wrong information? I need this corrected asap. I need my credit report refreshed for all creditors. The person I spoke with on the phone could see things that me and the creditors are not seeing. How does it work out if a company can see your report is good but the creditors you need can't see your report is good? They still think you have a ton of debt because an old report with collections that have been resolved for years and fake information is posted for all to see.
Product: Credit card

I have XXXX Chase credit cards since 2007. My FICO score is XXXX, no delinquent payments, no going above the credit limit. I called Chase and after talking to a supervisor she could not tell me why. I told her that I wanted to dispute this and was told they would send me a letter. I checked again what the 'rules ' of the cardsnwere and I can not find any reason for this sudden cancellation. There was only space for XXXX credit card #, Chase is closing XXXX cards. My other card is Chase Sapphire.
Product: Vehicle loan or lease

My complaint is for XXXX  and XXXX  for removing the closed account Ally Financial account # XXXX and adding it back on my credit profile.
Product: Credit reporting

I have disputed and disputed with Equiafax the inq are wrong i dis not allow a car dealer ship and paydayloans run my credit the inquiries are all of them I also have identity alert and fraud alert on my credit information they have the wrong social and address them out of inquiries everything I have disputed up and goes happen nothing is coming up also certain accounts are not mad like the medical XXXX I 've had insurance for fpur years
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA XXXX XXXX ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXXXXXX XXXX These accounts and collections has violated my rights and damaged my credit history. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 attached proof.
Product: Debt collection

WAYPOINT RESOURCE GROUP {$160.00} Open balance WAYPOINT RESOURCE GROUP Original creditor Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Responsibility Individual Remarks Placed for collection Original creditor name WAYPOINT RESOURCE GROUP The last response I got was : Hello, Do you have another address or phone number that this account could be associated with? Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I called again and I finally got an account number. Was told this was a XXXX bill, however I have been in prison the last XXXX XXXX and haven't had XXXX in over XXXX XXXX not once did I receive a notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts appear on my credit report that I do not recognize and have not authorized.
Product: Credit reporting or other personal consumer reports

Over the course of the last 12 months I have written to the lender regarding the inconsistecy of the reporting only to receive a letter back stating the account has been verified as accurate and therefore will not change.

How can this be truthful when in fact one bureau shows me never late, another one shows 2X late and the 3rd one shows I was 11X late in making payments?

I am getting no help from this lender or the 3 bureaus to correct there reporting. I am trying earnestly to be approved for a home equity LOC and can not be approved until this matter is corrected. 

Please, Please & Please again, help ME!
Product: Mortgage

On XX/XX/2018 i was approached by XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to refinance my home. After providing them all of my financial information and documents, they were offered me a better deal on my current mortgage so we proceeded with the formal application. They also told me I had to pay for 2 appraisals ( {$720.00} ) each for a total of {$1400.00}. I gave them my credit card info and they ordered the 2 appraisals from 2 appraisers of their choice. Both independent appraisals came back at approximately at {>= $1,000,000} which is what i paid for the house a year earlier. I don't hear back from them for over a month and then i finally heard back from them and learned that the lender they picked did not " approve '' the appraisals and decide to come up with their own valuation at $ XXXX without setting a foot in my property. Since they didn't use or approve the appraisals they made me pay for, i asked for a refund on them. After a lot of arguing, back and forth, they agreed to refund me only one appraisals. I involved the president of the company, XXXX XXXX and he stopped responding to my emails despite several attempts. The company refused to refund me for the second appraisal and i honestly think it's absurd. They approached me, made me pay for the appraisals and then don't use the appraisals. What type of accountability process do they have in place? I have emails of everything mentioned in this report.
Product: Mortgage

XX/XX/year>- I received a pre-approval for new home construction XX/XX/year> - The terms of the loan would have a contingency with the sale current residence. This was removed and replaced with the deposit being made with the complete liquidation of my XXXX account. I called and spoke with the lender and immediately informed them the terms were inaccurate. The describe it as a " place holder '' and increased the loan amount by XXXX than expected. 
XXXX XXXX Notified the builder of my concerns regarding the lot. 
XXXX Notified both the builder and the mortgage company of my concerns regarding the lot and the terms of the loan. 
XXXX - XXXX Informed the mortgage company and builder that I had been steered to a very undesirable lot by being told the previous lots I selected were not big enough for the model or the lots were sold when I returned with deposit. This occurred on more than 4 lot selections. I informed the salesperson on more than 3 occasion my preference for symmetry for t selection. At the time of the selection there was only dirt and no visible sign that would indicate the driveway for the house to the right of the lot would run across the front yard. And the driveway for the house would surround the house with pavement thus looking like a parking lot directly in front of the house. 

I deposited XXXX XXXX and have attempted to communicate with both the builder and the mortgage company to resolve the issue and gotten NO response.

I live by the airport and signed a disclosure regarding the volume and frequency of the noise. If the lot had such a significant nuance, should I have been fully informed, see attached picture. In addition to the fact that the lot carried a XXXX XXXX premium.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I asked Experian to delete or correct the status of my account with XXXX XXXX XXXX. They failed to investigate and sent a generic response that its not the same account when in fact the number on the proof of paid in full and the number in my credit report are one and the same. They did nothing to properly investigate and are refusing to correct my report in accordance with the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I searched on the mobile application XXXX to purchase a XXXX XXXX XXXX XXXX for {$6500.00}. After speaking briefly on XXXX, we had a phone call and decided that a {$500.00} deposit to hold the vehicle would suffice so that I could fly up to their location ( XXXX, TX ) two weeks later. On XX/XX/XXXX at XXXX ( XXXXXXXX XXXX ), I sent over the {$500.00} deposit using Cash App. I titled it in the description as " For XXXX can deposit. '' I misspelt " car. '' On XX/XX/XXXX at XXXX ( XXXX XXXX ), after I was unable to reach the owner of the vehicle by phone or through XXXX, I submitted a fraud claim with Cash App. On XX/XX/XXXX at approximately XXXX ( XXXXXXXX XXXX ), Cash App 's Cash App Support informed me " If you already sent a refund request and the recipient has not accepted it, we are unable to do any further action ''. They then informed me that " Cash App is unable to cancel or refund this payment. Please resolve this issue with the recipient directly. '' I have not been able to get them on the phone either regarding this matter. I have gone through my bank as well but they've informed me that Cash App is the company that this transaction went through and they must be the ones who get the money from the scammer. I have yet to receive my {$500.00} back, Cash App keeps informing me that they can not do anything even though I have been scammed and followed all the Cash App rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed in accurate information on my credit report, and XXXX, XXXX or Experian has failed to properly communicate or respond back to my disputes.
Product: Checking or savings account

On XX/XX/2023, I was victim of fraud. I received a call from chase asking me did I authorize a transaction on my account, and I said no to the automated system. I then received an email that my debit card had been added to a XXXX XXXX wallet at XXXX. I don't own a XXXX phone, so I got in my car and drove to the nearest chase bank, and I got there at XXXX. Once inside the bank the chase employee that I was speaking to about the suspicious activity told me to open my chase app on my phone and he noticed that transactions were happening minutes before and while I was in the bank and they had taken {$11000.00} dollars from my checking account, so he helped me shut my account down and change all my accounting information. He called fraud services in front of me and explained to them what was happening and that the person that got a hold of my debit information had a XXXX phone and he informed them that I didn't have a XXXX phone, that I had an XXXX. The fraud person asked me if I had let anyone use my debit card and I stated no. He told me that I was insured and not to worry and that I had fraud protection, and the money would be returned in XXXX business days. I waited 3 days, and I called XXXX XXXX XXXX just to see if they found out anything, they told me not to worry and I would receive the credit for the money. I waited for 10 days, and I called fraud services XXXX at XXXX and they told me that my claim was denied because my information hadn't changed, like email, address or phone number and they can't prove that it wasn't me. I called the bank that I went to on the XXXX of XXXX and the relationship banker called the fraud team and explained to them that the transactions had been overseas transactions because there were foreign exchange rates on my account from the same name that posted the XX/XX/XXXX which clearly wasn't me. The transactions were happening and posting after i received my new banking information. The banking officer told me that this was very strange, and she was asking the fraud team to issue me a credit because she could see that it wasn't me and I was standing in the bank as this was happening to my account. The fraud team told me that the case was closed and that it's not able to reopen. I reported the suspicious activity and was told that I was insured then told that they wouldn't honor their motto of the protection services. As the bank can see all the transactions were foreign exchange transactions
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

It seems that my credit with you has been compromised. I have noted that you are not eliminating items even when they are submitted with an FTC fraud report XXXX XXXXXXXX. Upon reviewing my records, I observed that the fraudulent items, which have never belonged to me, are still adversely impacting my credit records. Under section 605b of the FCRA, it is a legal requirement for you to remove these fraudulent items that are found to be opened due to identity theft. The disputed items unequivocally do not belong to me. I am attaching the required newly filed FTC Report XXXX XXXXXXXX and the necessary documents for identity verification. Please proceed to remove these fraudulent items : 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
Product: Debt collection

I am filing this second complaint against Transworld Systems Inc. ( TSI ) for continued violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices in re-aging debt on my credit report. Despite my initial complaint on XX/XX/XXXX, TSI has failed to correct its misreporting as evidenced by their own admission via the verification documents provided and is actively extending the reporting period for this debt in violation of federal law. 

On or around XX/XX/XXXX, I closed my XXXX XXXX account, with the associated debt becoming delinquent shortly thereafter. TSI, however, has falsely reported an open date of XX/XX/XXXX, on my credit report, contrary to the original delinquency date as indicated by their own documentation. Under Section 605 ( c ) of the FCRA ( 15 U.S.C. 1681c ( c ) ), credit reporting agencies must use the date of first delinquency to determine how long negative information may remain on a consumers report. TSIs actions directly contravene this statute by failing to report the correct date, as shown in their verification documents. 

I have attached a screenshot of my credit report along, showing the incorrect date, with TSIs verification documents, which clearly display the original delinquency date as XX/XX/XXXX. This proves that TSI is aware of the actual delinquency date, yet continues to report a false date, while claiming compliance with the FCRA directly knn my credit report. This conduct demonstrates a clear intent to deceive both myself and the XXXX by manipulating the reporting period, thereby causing undue harm to my credit standing. 

TSIs actions are not merely inaccuratethey are a deliberate violation of my rights under the FCRA and evidence an intent to mislead. By falsely asserting compliance with the FCRA on my credit report while simultaneously failing to follow federal regulations, TSI has displayed a flagrant disregard for consumer protection laws. 

I demand that TSI immediately remove this collection account from all three credit reporting agencies due to their repeated non-compliance and deceptive practices. Furthermore, I urge the Consumer Financial Protection Bureau to launch a comprehensive investigation into TSIs reporting methods, as their ongoing violations and dishonest practices threaten the integrity of consumer credit reporting. Due to the obvious violation of my rights, I am also securing representation for consumer rights violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, fraudulently placed an invalidated debt collection on my credit reports. I have demanded that XXXX XXXX XXXX ( XXXX ) remove the debt unless they are able to provide me with full documentation per my instructions to validate the alleged debt as is my legal right under the Fair Credit Reporting Act. 

Furthermore, I disputed the odious debt with Experian directly and they delivered less than satisfactory results i.e. Experian did not acknowledge my legal right or debt validation rather Experian claimed that the debt had been verified. However, as XXXX never sent my any written notification of the alleged debt, instead committed fraud by placing the alleged debt directly onto my credit reports, the alleged debt has never been verified nor validated by me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised over the phone by Credit Collection Services that if I paid the amount they were charging me, they wold remove the item from my credit report. And this was the only reason I paid, since I had absolutely nothing to do with the original charges. Mainly because I don't have or never had any business with Credit Collection Services, they don't have a single paper signed by me, and they simply can't verify the debt. 
And now comes the worst part, even after I paid a debt that I didn't recognize, they promised over the phone they would remove everything from my credit report, and then after I paid, they just failed to follow through with the agreement. More than a year has passed. 

I assume they are going to ask for more money so they can finally remove the item from my credit report. If they actually do. 

PS : For XXXXAccount number XXXX In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C.1681 section 602 A states I have the right to privacy.

15 U.S.C.1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.DELETE THE ACCOUNT
Product: Credit reporting or other personal consumer reports

These Hard Inquiries Don't belong to me, hasn't being authorized by me and has to be removed. Also, this as well. 
EQUIFAX 1 ) XX/XX/year>2024. 
XXXX XXXX XXXX XXXX XXXX. 
2 ) XX/XX/XXXX. 2024. XXXX XXXX XXXX. 
3 ) XX/XX/scrub> 2024. XXXX XXXX XXXX XXXX 
4 ) XX/XX/scrub> 2024. XXXX XXXX. 
5 ) XX/XX/year>. XXXX XXXX XXXX XXXX. 

EXPERIAN 1 ) XXXX XXXX, 2024. XXXX XXXX XXXX 
2 ) XX/XX/year>2024. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

30 days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the 7 year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full report.