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

Transunion is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Transunion states the information is verified by XXXX but refuses to acknowledge my several documents sent via mail to them showing proof from XXXX they are not reporting a bankruptcy. I've disputed this fraudulent bankruptcy so many times that Transunion has revoked my access to dispute via their online access. Each written submission I've submitted via mail has only received copies of my credit report in return. I sent information to Transunion via mail from the XXXX District Georgia Court that they do not provide access to their records regarding judgments and was ignored once again by Transunion. XXXX states they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' I was informed on XXXX behalf to ask how Transunion is obtaining their information? As well as if this information they've received is from their verified or unverified department? If Transunion is using unverified public records from XXXX they are violating this act and my right as a consumer. If they state to use verified then they're no such record of a bankruptcy. Attached is XXXX report stating they do not contain the information Transunion is stating they provided.
Product: Credit reporting or other personal consumer reports

This journey started over a year ago with Experian reporting erroneous information such as account information, and absolutely nothing was happening as for as moving the account information. I have even mailed in police reports regarding the accounts consecutively from XX/XX/XXXX through XX/XX/XXXX, only for Experian to constantly say that the accounts were verified and validated. I am filing this complaint against Experian due to the recent misconduct on their part. I am asking that they remove the listed accounts that are enclosed that I disputed and my personal information on my report. The CFPB has recently filed a lawsuit against Experian, alleging issues such failing to forward Consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes which fall in line with my complaint with all three credit bureaus. This has been admitted by the bureaus that they have not removed the listed accounts or personal information, also under the XXXX XXXX XXXX XXXX  FCRA the bureaus had only 4 days to correct these errors. These are the accounts previously disputed with Experian. 

XXXXXXXX XXXX XXXXXXXX Acct XXXX opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute online through the CFPB. Complaint number XXXX regarding inaccurate information on my consumer report. I received a letter dated XX/XX/XXXX stating they could not locate my file. The letter stated I needed to send information that had my social security number attached to it and information that had my address attached to it. On XX/XX/XXXX I received a copy of my credit file from Equifax. No where in the law it states that I need to send my social security number for identification to any corporation. Past history shows you need a government issued id and something to validate your address. Equifax is stalling. My ssn is not needed for identification purposes.
Product: Credit reporting or other personal consumer reports

I have tried many times to get Comenity Bread to report the account as OPEN/NEVER LATE. The company continues to report the account as CLOSED on my Equifax and XXXX XXXX credit reports. This is not correct. THE ACCOUNT IS OPEN AND BEING USED EACH MONTH. I need them to report the correct status
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
Product: Credit card

My Chase Credit card was 'charged off ' after Chase refused to allow me to make affordable payments or settle the balance after going through a horrible divorce. Then, without my knowledge the charged off debt was sold to a zombie entity that NEVER contacted me. In XX/XX/XXXX, one evening after arriving home from work, the Sheriff 's Dept showed up at my door with an order to seize my only asset, my XX/XX/XXXX XXXX! After trying to understand what the deputies were telling me through my hysteria, they apologized for what they felt should be illegal and told me to call an attorney ASAP! When I contacted the 'zombie company, whose contact info was on the order, they wanted me to pay them {$9000.00} on what was originally a {$3000.00} credit card debt! And so began an EXTREMELY STRESSFUL and expensive journey to retrieve my only means of transportation to and from work. The law firm that I retained had never seen anything like what had happened to me. All the documents had been inaccurately electronically filed by the zombie company, but went through the XXXX anyway. This ordeal has caused my health to suffer as well as my financial well-being. I was forced to immediately file bankruptcy, and am still struggling to recover from the whole ordeal. I am hoping that I might qualify for a refund for the unfair and VERY deceptive practices of Chase!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file the was used to verify the BK I disputed and 3 other accounts, being that they have now gone past the 30 days and can not verify this information on my credit report, I understand under Section 611 ( 5 ) ( A ) of the FCRA, they are required by law to provide me with documentation of this information or they must delete all information promptly. They have not sent me proof of how this BK, XXXX/XXXX, XXXX and XXXX XXXX XXXX XXXX was verified that I have disputed many times. I contacted the court to get the information they said they have and could not be obtained. Please help me resolve this matter as soon as possible. As you can see on my current credit report, there is no such date. The information is false and must be removed. 

Transunion 1. Bankrutcy Case Number XXXX 2. XXXX Account Number XXXX 3.  XXXX Account Number XXXX 4. XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and Transunion ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked XXXX and Transunion to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.
Product: Credit card or prepaid card

I called Wells Fargo collections department on XX/XX/20 XXXX @ XXXX to attempt to settle a balance owed on my XXXX card . The current balance is {$360.00} on an account that had an original credit line of {$100.00}, 360 % greater than the original line of credit! This was due to an outdated mailing address they had on file, which they continued to mail statements and accrue multiple late fees, without my knowledge of owing them. Prior to this, I paid all balances on time. 

I was routed to an offshore representative that stated that they can offer a 60 % settlement. I asked for a written settlement agreement, which he declined and advised he could only provide AFTER agreement to enter into settlement. I asked to speak to an on shore representative ( XXXX employee id # XXXX ), which stated she could not accept less than 60 % of the balance outstanding, I asked to be transferred to a manager ( XXXX XXXX ) who refused to settle, despite explaining what occurred and the call was ended. 

This predatory behavior WellsFargo operates under, continues to negatively impact my ability to obtain credit, despite my good intention to resolve.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by Early Warning Services XXXX XXXX XXXX  XXXX XXXX, which has been included in my consumer report. 

On XX/XX/XXXX, I submitted a letter to Early Warning Services, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from Early Warning Services stating that I had previously disputed this record under XXXX  Case # XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, and that the dispute had been forwarded to XXXX XXXX for reinvestigation. According to your response, Early Warning Services notified me of the results of this reinvestigation in XX/XX/XXXX. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how Early Warning Services determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to XXXX XXXX  on XX/XX/XXXX, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if Early Warning Services and XXXX XXXX  do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. Early Warning Services allowed negative information to be reported without providing this validation. 

Failure to Validate Debt : XXXX XXXX failed to provide the requested debt validation, which is required under federal law. 

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

Sincerely, XXXX XXXX
Product: Mortgage

My father, purchased land under the Texas Veterans Land Act. My father passed in XXXX and I, his son, continued to pay the loan. I recently paid off the loan and my last check, {XXXX}, was refunded to me, but in my fathers name. I called Dovenmuehle Mortage and explain I was unable to cash the check and asked them to remit the check in my name. I submitted all pertinent information they requested and have made numerous calls to update my request. Initial call was made XX/XX/XXXX. My last call was today, XXXX XX/XX/XXXX. I keep getting redirected and have received no satisfactory answer or check. I have also filed complaints with the Texas Attorney Generals Office and Savings & Mortgage.
Product: Checking or savings account

On XX/XX/2022 I received XXXX letters from Wells Fargo Bank advising me that my savings account had been closed by them due to a garnishment notice. The only reason my checking acct was not touched is because I am on Social Security as my only income and they could not touch it. The garnishment was not even mine, it was my daughter 's and she was not on my savings acct except as beneficiary. I went to XXXX different branches of Wells Fargo for help to no avail, they both said they could not help me, I would have to go through their legal dept. I had a complete meltdown at this point because my savings was my overdraft protection at the bank and even though I had never used it, it was still there and available. I have been a long time customer with Wells Fargo, over 10 years! I finally called my daughter who was at work and when she heard how upset I was and we realized it was something she knew nothing about she got involved to help me. She knew the right place to call and got through to legal dept of Wells Fargo. The lady who helped us took a moment to investigate and found out immediately it was an error that should never have been made. She said she would put the funds back in my savings but when she found out it was closed she said she would have to send a check directly to me, so I no longer have a savings acct and would have to start all over when I do finally receive the check. As I thought about this and how upset I was, how much time it took to resolve, the trips to the bank and the pure stress of having my account closed in addition to my daughter having to take off work to help me, I feel Wells Fargo should offer something to compensate me for the time, worry, anxiety and loss of my savings account. It never should have happened in the first place if whoever took the money from my savings had looked and seen that no one 's name was on that account except mine. They " dropped the ball '' on this one and their employee in the legal dept recognized it immediately which is why she said the check would be issued and the garnishment would be removed from my records.
Product: Checking or savings account

As I reported earlier this evening, Chase bank reversed a {$5500.00} electronic payment that I made to Chase card services on XX/XX/XXXX. However they have not put {$5500.00} back into any account of mine nor contacted me regarding this {$5500.00}. I am highly concerned about this as it appears its just been stolen from me. Its almost XXXX XXXX I havent gotten any sleep, Im XXXX. I hate Chase Bank and the agony they have caused me since XX/XX/XXXX!!! Please help me find some resolve with this XXXX bank!!! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax XXXX XXXX due to their failure to accurately report my credit information, which has severely impacted my life for the past two years. I am devastated by the ongoing struggle with both Equifax and XXXX  to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. 
The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. Despite numerous dispute letters and formal requests for correction, Equifax continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. 
These agencies are not adhering to the standards required by law, and I feel helpless. 
Specific Issues : - Equifax XXXX XXXX continues to report inaccurate information despite my repeated disputes. 
- Equifax XXXX XXXX has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- Equifax and XXXX is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 
Supporting Documents : I have attached multiple dispute letters and affidavits sent to Equifax and XXXX, detailing my issues.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. 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 XX/XX/year> and XX/XX/year> 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 la
te 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. 


XXXX 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 or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am willing to pay the XXXX dollars to erase the account of my credit but they must send a letter where they say they are going to erase the account as soon as they receive the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # 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 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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

XX/XX/XXXX contacted company for validation of debt XXXX states that I should receive it in 10 days. On XX/XX/XXXX @ XXXX XXXX eastern time zone I contacted the company and asked was the validation sent I had not received it. The agent named XXXX stated that the debt letter is a confirmation letter and on the letter states that asking for validation is proof that this is a valid debt. The agent XXXX sts look you gon na pay it or not in angry voice and also states I aint got time for this now I was never volatile with this guy. I stated to the agent under the credit debt collection act that I need validation cause Im not for sure if this is or their a legit company. The agent states again that this debt letter serves as validation. I asked the agent whats his name again and this line is recorded? He stated his name XXXX and that this line I recorded I stated on the recorded the time is XX/XX/XXXX XXXX and asked for a supervisor. A sup was put on I advised the supervisor of what happened and he sts yeah they never sent a validation letter and one would be in the mail sent out soon. I asked the supervisior was indeed that line recorded hes sts that it may be recorded and 9 times outta 10 it would be XXXX never stated who they are collecting for either.
Product: Credit reporting or other personal consumer reports

I recently noticed that there were a few accounts om my credit report that were not opened by me and then learned that unfortunately i was the result of identity theft/ I field the necessary documents and sent them off to the credit bureaus with my identification attached. It has been over 2 months and they have not responded at all. I filed all of it over again but I also found out that they only have a few days to block the information in the case of identity theft and they didn't do any of what they were supposed to do. The accounts here are fraud. I need you to please help me!