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

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

My husband and I were advised by our attorneys to vacate our home and let it go due to our not having an escrow account and we owed XXXX in back taxes. We did have an escrow account because our insurance was paid there as well. We had been paying on our bankruptcy case for XXXX XXXX years. I contacted our mortgage company XXXX, then XXXX XXXX to see if there was anything we could do, to try and make any money out of our lost. XXXX said we could try a Short Sale. We could list the house at XXXX, our listed balance is XXXX. If we did not sale the house, we would get XXXX if we moved at the end of that posted period. The house did not sale and we moved into an apartment. We did not get the XXXX. Within a week, we received a letter from a new lender/mortgage company, Gregory Funding. I have called them to ask what we can do, is there any way we can move back into the home and continue with our payments? The only comment they 've made is that we need to provide insurance for the house. Our lawyers say we do not, since it has been surrendered in the Chapter XXXX. We get a bill each month from Gregory Funding for the house. Is it possible that our paperwork during the Bankruptcy has not been properly filed? We know our lawyers did not have our best interests in mind. We XXXX the lawyers two times ( due to their error XXXX to save our home. Since we left that home, XXXX 2014, it just sits there. The garage is open at various times. That was our dream home. Our preacher came over to say blessings the day we signed our paperwork. Our plague reads ... XXXX is the head of this house, the unseen Guest in every room. I pray to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off from my personal profile. A copy of my Bank statement, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2023 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}
Product: Credit reporting or other personal consumer reports

XXXX has been reporting erroneous defaulted loan information to Equifax, XXXX and XXXX XXXX since XX/XX/year>. After contacting Account XXXX XXXX XXXX on XXXX, .the only solution he advised and could give was to dispute with credit bureaus even knowing it was a fraud in my name. 

knowing this is error on XXXX part, they are refusing to correct this. This has impacted my credit score and government background check for employment. 

I requested a letter to state the error to provide to government agency for employment and was denied.
Product: Payday loan, title loan, personal loan, or advance loan

Ylthey are calling and texting and emailing me several times a day. Harassment. Ylthe lian was XXXX and they want me to pay back XXXX dollars. I refused to I offer a settlement and they demand all this interest I am not paying. Ask for cease and assist to stop calls and text. I don't have money have been off work.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX BANK XXXX has violated my rights XXXX 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 XXXX BANK 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 a account without my written instructions
Product: Debt collection

Zion Debt Holdings purchased a debt from XXXX XXXX XXXX This debt was falsely put into my name. I owned a home in XXXX OH, from XXXX to XXXX. We moved ( on a military move ) from the home in XXXX in XXXX and rented it out to a XXXX XXXX. I contacted XXXX in the summer of XXXX to have the security account transferred to XXXX XXXX. XXXX acknowledged the change and sent me a confirmation e-mail of the change. It tuns out XXXX XXXX had an outstanding balance with XXXX. I'm assuming XXXX XXXX let the balance go unpaid and the account went in default. XXXX purchased the debt in XXXX in XXXX and reported it on my credit report. I disputed the delinquency via XXXX. I also provided email correspondence between XXXX, and I that confirmed the account was switched to the renter -- XXXX XXXX. Zion Debt Holdings ignored the facts and verified the debt as accurate. They contacted me and told me that if I paid the debt in full that they would remove collection from my credit report. XXXX XXXX should complete further research to see if the debts they are purchasing, are in fact proper debts prior to reporting collections on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

All webpages referenced in this complaint will be cited in this fashion : ( XXXX ), ( XXXX ), ( XXXX ). The corresponding XXXX links for each webpage will be provided at the bottom of this complaint. 

On XXXX XXXX, XXXX the credit reporting agency TransUnion altered their website in order to implement predatory sales tactics. In the wake of the Equifax information breach, TransUnion has significantly altered their page regarding information on credit freezes. The initial page ( XXXX ) provides detailed information on the nature and scope of a credit freeze ; not once mentioning any product or service provided by TransUnion. As of XXXX XXXX, XXXX the information on this webpage has changed drastically. The current webpage ( XXXX ), in step XXXX, explicitly offers a TransUnion service as a part of " locking '' your credit file. The information on TransUnion 's service is listed higher and is more prominently displayed than the information on credit freezes. The intial page ( XXXX ) was a detailed, effective explanation on credit freezes. The new page ( XXXX ) leaves credit freezing as a footnote at the bottom of the page. This is in spite of the fact that the new page remains titled " place-credit-freeze '' in the URL. 

Under the current minuscule information section on credit freezes, there is an XXXX link. That link takes you to this page ( XXXX ). This page SHOULD provide detailed information on the advantages and disadvantages of credit freezing, much like the initial page ( XXXX ) once provided. Instead, this webpage ( XXXX XXXX attempts to weigh the pros and cons of " locking '' and freezing, providing another opportunity for TransUnion to offer their credit " locking '' service. Finally, the most egregious section of this complaint comes from the table of comparison seen in the middle of the webpage ( XXXX ). This table could not be more obvious in its bias. It is an explicit attempt to sway unwitting consumers away from credit freezing and towards the service offered by TransUnion. In XXXX bullet points, the table proclaims that freezing your credit will cause you to pay fees, wait for your information, and lose control of access to your credit information. In that very same table, TransUnion proclaims that " locking '' your credit will be instant, independent, free, and online. The juxtaposition of these explanations is stark. Freezing is bad, " locking '' is good. Considering the massive identity theft potential of the Equifax data breach, and subsequently the current seriousness of a credit freeze, I find this behavior to be despicable. 


Cited Webpages ( XXXX XXXX https : XXXX : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

We put an offer for an investment property in Texas back in XXXX. The deal was supposed to close on XXXX XX/XX/year>. We went through Wells Fargo for mortgage. The bank asked for an extension for XXXX XXXX which the seller agreed. XXXX XXXX afternoon ( Friday before long weekend ), the lender emailed us that we will be able to close on XXXX XXXX, 2024. Now on XXXX XXXX, 2024 ( Tuesday ) morning, the lender dropped a bomb that the Closing Disclosures didn't go out yet so the closing wouldn't be possible before XXXX XXXX, XXXX Wells fargo asked us to request sellers for one more extension which the sellers denied.

The seller decided to terminate the contract and take the house off market. In this whole mess, we would lose about $ XXXX ( misc of XXXX, appraisal fee, inspection fee, credit check fee, property management, home warranty, insurance, etc ). We are trying to recover some of the loss but we would still lose $ XXXX in non refundable fees. 
We as buyers did everything on time and still are the only ones who would be at loss for no fault of ours. 
Can you please help us recover our loss from Wells Fargo for the delay? 

We have the following proofs : XXXX ) The last email on Friday ( XX/XX/year> ) from lender confirming the XXXX close date XXXX ) Email on Tuesday morning that they cant close before XXXX XXXX, 2024
Product: Checking or savings account

I was charged XXXX dollars by XXXX XXXX, a gym which I have never had a membership for. When I disputed this charge with Wells Fargo because it is not my charge they denied my claim. However just by calling trufusion myself they stated they have no record of any membership under my name nor do they have record of this transaction at all in their systems. They stated they would refund me however they were unable to make the refund without finding the transaction. I have asked them to speak with my bank to which they agreed however Wells Fargo is refusing my claim stating their investigation showed no fraud. When I asked what investigation took place and what information made them come to this conclusion when just by simply contacting this company they would have agreed I shouldnt have been charged they stated they dont contact the merchant all of the time which really angers me because my bank is not providing what it should which is security. It makes me feel my account is unsafe if they cant solve this level of fraud I really dont trust them if someone takes a larger amount or is able to access any of your personal info. Now when I called them back the are stating I can not reopen the claim or start a new one and that the decision to not refund the money that was stolen from me is final. They are basically telling me I have no recourse because after their lousy investigation which doesnt even simply involve calling the merchant found no fraud. Also based on the timeline they didnt even give a full 2 days to investigate. I dont have XXXX dollars just to throw out the window. They expect that XXXX supposed to just accept my money being stolen from my BANK??! I want my money back immediately my bank account is supposed to be insured against fraud and I am entitled to my money back.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX 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 Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/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

XXXX XXXX XXXX XXXX report number -- XXXX ACCORDING TO U.S.C. & 1681B, I AM writing to formally request the removal of unauthorized credit inquires from my credit report. Since i did not grant permission for these inquiries, they are a violat03ion of my right under the FCTR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is Experians responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX XXXX XXXXXXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation
response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are violation of several laws. 15 U.S.Code  1666b - Timing of payments (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. (b)Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Since this credit agency has stated they have verified that these late payments.
Problem with personal statement of dispute payments is validate this means they have the certified mail green label receipts to show the company 
has followed the law of 15 U.S. Code  1666b
- Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the
CFPB, FTC and my state attorney general. As well as the following Please provide: 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights continue to be violated despite my efforts to handle this misreporting on my credit report. These account should not be on there with this false information.
Product: Credit card

When I called Capital One about my account, XXXX Employee ID XXXX Told me that he could not serve me that Capital One had a special department for XXXX XXXX  and another for the XXXX. When he told me they had special departments I asked for a supervisor and for his location which he refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received letters stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency which I have not but there is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. Ive disputed this US BKPT CT IL XXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and XXXX -Which two of them ( XXXX AND XXXX XXXX confirmed the public record was verified by the court. I asked XXXX and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX number 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
Product: Checking or savings account

I am currently fighting a court case in VA with Land Or Timeshare. The court date is onXX/XX/XXXXwhich a month away. Some paperwork was sent from VA from a court clerk with the court date of XX/XX/XXXX to Chase bank requesting to hold XXXX, Chase froze XXXX from both my checking and saving plus a hold of XXXX dollars which they could not explain what that was for when I went to the bank on XX/XX/XXXX. Prior to going to the bank I spoke to a representative from the court orders and levies department explaining to this gentleman that in the state of Texas, a creditor can not garnish anyone 's account unless its a federal garnishment, for example child support, taxes, student loans etc. I also asked if the legal department was contacted about this matter. According to the chase rep, he did have to confer with the legal dept and chase had to honor the garnishment because they did business in VA. I 'm not sure if this company makes its own laws. This is the second time they put a hold on my account. the first time my husband deposited a check for XXXX dollars from his business account which was also with Chase they put a hold on my account even though my husband and I was at the bank together at the time of the deposit, at the teller together. They also called my husband while we were still at the bank and he verified that he made the deposit. Myself and my family wants nothing more to do with this company, just release my money. my husband has no problem taking legal action.
Product: Credit reporting or other personal consumer reports

Experian 's failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with the user 's experience, where Experian has neither corrected nor removed the disputed information.