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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, BEST B Inquired on XXXX XXXX, XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX-XXXX  XXXX. Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
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 those transactions was unfeasible. The CFPB 'S findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I started to fix my credit. I noticed sometime in XX/XX/XXXX a derogatory remark was added to my credit report ; when I investigated who they are, it turns out it was for a account that was already paid 3 months prior to it being reported. I began the dispute process and to this day they have refused to remove it off my credit report. 

I began disputing this account with TransUnion LLC every month since XX/XX/XXXX but I have not received verification of any kind or acknowledgement of receipt of any dispute letters I have sent to them. They have completely ignored all of my requests. 

The originator is XXXX XXXX who services credit for XXXX XXXX. The account then was sold to XXXX and I made XXXX payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$77.00} with the last payment of {$77.00}, totaling {$930.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

No accounting info or Contract with wet ink signature was provided.
Product: Mortgage

( 1 ) XX/XX/XXXX, I refinanced my mortgage with Nationstar Mortgage LLC d/b/a Mr. Cooper in an effort to decrease my interest rate. 
( 2 ) From XXXX to XX/XX/XXXX I continued to make monthly payments ( {$2000.00} ) on time. 
( 3 ) In XXXX I became aware that one of my payments was not applied to my mortgage balance resulting in a higher than expected balance and fees. However, my bank verified that all checks sent to Mr. Cooper were processed and deducted from my bank account. 
( 4 ) I immediately reported this discrepancy to Mr. Coopper and requested that they investigate the issue. At first, Mr. Cooper indicated they had technical issues with processing ACH payments but that this will be resolved shortly. This did not occur. I followed up with Mr. Cooper weekly, by email and/or telephone but they were unable to locate the source of the discrepancy until XX/XX/XXXX. 
( 5 ) On XX/XX/XXXX, after months of calling, Mr. Cooper verified that my checks were being applied to my previous loan number, which closed as a result of the refinance. Although they received and processed my XXXX mortgage payment, they issued a refund check by mail. After further diligence, I uncovered that I did receive a check from Mr. Cooper however because that check was not marked I presumed this may have been an overage from our Escrow account or refinance closing payment. Subsequently, I re-paid the XXXX mortgage payment. 
( 6 ) During the time while Mr. Cooper was investigating the issue, they purposefully applied my current mortgage payments to the previous month and deceptively applied a late fee to the current payment. For instance, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied XXXX, and our timely XXXX payment was applied to XXXX. In all these instances we were assessed late fees each month and Mr. Cooper reported a derogatory remark to the credit bureaus ; resulting in a substantial decline in our credit rating. 
( 7 ) We asked Mr. Cooper to remove the late fees of {$79.00} and derogatory remark, especially given the delay in resolving the issue around the missing XXXX payment was due to their inability to research and resolve the issue. We were told this was not something they can do. 
( 8 ) This practice of applying current payments to the previous month and then assessing a late fee to the current month is unfair. It is especially unfair when the delay in resolving the underlying issue is the fault of the lender. Mr. Cooper took 3 months to verify that although they did receive and processed our XXXX payment they issued us a check which arrived without any notice that it was a refund of our XXXX payment. The 3 month late fees assessed is purely Mr. Coopers fault and as such we demand that these fees be removed.
Product: Credit reporting or other personal consumer reports

There are recent and old hard inquiries on my credit report that are not accurate lowering my Credit score. There is a XXXX debt collection that is ver old and does not belong to me! Same with XXXX XXXX. I have been a victim of Identity theft in the past and these false hard inquires and debt collections have hurt my credit for years! This is takong a toll on me emotionally. I am unable to qualify for any store credit or credit cards because of false information on my credit report which I have neumorous times have contacter the companies on. I am seeking help please to remove all these hard inquries that I have not authorized and collections that dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this company for a guarantee XXXX points in 90 days over 3 bureaus. I never had a person working on my account the same each time. The first guy sent the letters to remove things off my credit report and put a block on my social. Thats was the extent of what they did. So I asked to cancel. They tried to make every excuse why not to cancel but yet I never got a 60 day or 90 day update they just sent me a text who the new person was that month. A man named XXXX XXXX called me and told me he was working with 90 day credit experts and they agreed to cancel my contract if I paid a fee in which I did. I also received an email from him telling me my contract was cancelled and the account removed from my credit report. That was XX/XX/XXXX. Today I received a text from a collection agency telling me 90 day credit experts gave my account to them. I called and told them I was told my contract was cancelled after paying the fee and sent them the email. Then reached out to XXXX XXXX and he told me the same my contract was cancelled. The manager at XXXX named XXXX called me back and told me that my contract was never cancelled with 90 day credit experts that it was only cancelled with denefits who apparently are the people that take the payments. I called XXXX back again and he told me that is not the case but then his tune got a little different not really telling me what I paid to cancel. He is still sticking with the story its cancelled. 90 day credit experts.
Product: Credit card

On XX/XX/XXXX, I attempted to use my Best Buy credit card online. The card was declined on XX/XX/XXXX and XX/XX/XXXX. The following day, I contacted the customer service department from the number on the back of the card. I was connected to the first rep XXXX, who informed me that the card was closed due to inactivity. This is far from true. The last purchase transaction was XX/XX/XXXX and the last payment on the account was XX/XX/XXXX. The card had been used within the last 12 months. I requested to speak to a manager for clarification. I spoke with XXXX who informed me that the first representative informed me incorrectly and that I had been sent a letter in the mail to my XXXX XXXX XXXX I have advised the manager that I have never received and email from Best Buy or CitiBank. She asked me if I looked in my Messages on the account, which I informed her that I did, and in fact there was not letter there. She advised me that she would put a letter in the messaged within 24-48 hours and that I would need to reapply for the card, start a new history and this would be a hard inquiry on my credit profile. I am sending this complaint to inform CFPB that Best Buy closed my account without notification by mail, email or online and only after I lodged a complaint the letter would be provided. This account has been opened since XXXX and the manager is telling me that they can not reinstate the card. I am requesting your help in resolving this matter.
Product: Consumer Loan

Went TitleMax in XXXX, VA to inquire about a loan, to simpky get an assessment of how much they might lianThe man I talked to was XXXX XXXX, and told him that I simply wanted an assessment. They said theyTook pictures of the vehicle, extensively, including the VIN number, inside of door, and the tags. I did n't know why that was necessary to just get an assessment. I told him I was n't getting a loan, I just wanted to know how much they would loan me and how much such a loan costs. 
Car is worth about {$3500.00}, but they said they would loan him up to {$2000.00}. 
I only wanted to borrow {$1500.00}, but they needed all my information before they could give me a ball-park of what the loan would cost. 
They made me fill out a piece of paper that I understand I would only borrow what I needed. They took all my information, just for an assessment. After all that, the loan was extremely expense, and they terms seemed ridiculous, so I said I did n't want it. I asked for my paperwork and the pages with my signature, and the guy said he shredded them, but for some reason I did n't believe him. I want to be sure they actually deleted my information, but there was n't anything I could find about how to ensure that. I do n't like that they take your information before giving an assessment or information on what they cost.
Product: Debt collection

This company started sending, bills this year. This was for my daughter 's medical bill in XX/XX/year>. I submitted an Insurance information where they could send the bill, I submitted this several times by mail and I even did via phone. Now, this year they are sending me the same bill again. But this time with different account number and wrong dates it stated they have been sending me a bill since XXXX of XXXX  when the Date of Service is XX/XX/year>.
Product: Debt collection

On or about XX/XX/2022 I received a call from Credit Corp Solutions , Inc.. Their address on subsequent correspondence is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. XXXX. They informed me that this was regarding an unpaid debt from XXXX in the amount of {$310.00} and they were attempting to collect this from me. I informed them that I had no knowledge of this account and that it was obvious fraud. The email address that they said XXXX provided them was not mine, nor was the street address where XXXX had been sending statements, etc. Credit Corp Solutions said that they would mail me a fraud statement that I needed to fill out and send back. I received the " RESPONSE TO DISPUTE AND VERIFICATION NOTICE '', filled it out stating that I had no knowledge of these charges and that it was obvious fraud and mailed it back on XXXX XXXXXXXX XXXX On XXXX XXXX, XXXX  I received another call from Credit Corp Solutions saying that they received my response but that it was not notarized. I informed them that I should not have to pay a notary for something that was not my debt or my responsibility to pay. I told them if they did their fraud investigation it would clearly show that this was not my account or charges. They refused to accept the statement as sent and referred me to FTC.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

so this issue has been going on for a few years now i have disputed multiple times now for incorrect information on my credit report and for them to validate the information that is on my credit profile. at this point its complete fraud and defamation of character. because of the incorrect information reporting from account XXXX i have been homeless and not granted credit worthiness. how can this be a open account and a collection account at the same time? actually i see that they also have it marked as a charge off account my question is under the fcra your suppose to report information as a 100 % accurate how is that even remotely possible. can you even be sure this account is even mine because after multiple attempts of asking for validation i have yet to recieve any is this how the credit agency handle consumer information and arent there laws in place to protect me from this type of fraud? i have been homeless. hungry and unable to fully take care of my small children because of this mistake that these companies seem to not care about below are the laws the have violated the above company has violated my rights and continues to do so. 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've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT WAS DELETED FROM MY FILE BY XXXX  AND XXXX  BUT TRANSUNION IS STILL SHOWING IT ON MY REPORT.
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. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I tried disputing a debt on my Credit Report, that I have no knowledge of and asked them to remove it from my Credit Report. On XX/XX/XXXX. XXXX  at XXXX XXXX, I received a phone call from that same Debit Collector. I informed the caller that our phone conversation was being recorded and I do have access to that recording. They were contacting me about the debt that I told them wasnt mine. I also asked them to send me Debt Validation regarding the debt. I gave them my address and told them they can send me those documents via email and no one has yet to contact me with that information. Their contact info is Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I purchased and financed a new   XXXX    XXXX   XXXX  in  XXXX  KY and financed it thro ugh Honda Credit. I am aw are a payment is due  XXXX   XXXX  ; I have STILL NOT RECEIVED a statement from Honda ; I called the number on the website and their customer service is not open on Saturdays/Sund  ays. Poor business! I tried to make a payment on the phone, can not make a payment on the phone for you must set up a payment option online. I can not set up a payment option online for I do not have an account number because HONDA has not sent a statement. The dealership can not help ; called them as stated above.
This is an unfair and sloppy business practice. My payment will be late for I must wait until Monday to phone them and spend hours on the phone probably to get through. You would THINK I could set up an account with my social security numb er, phone number, size of underwear for I had to give all that info to get credit and buy their product. BAD BUSINESS!!!! I never even got an email from Honda Credit.
Product: Vehicle loan or lease

My car was paid off due to car wreck... .They still say I owe money
Product: Mortgage

My home went through three different banks to be modified with no success. Wells Fargo promised me $ XXXX to leave my home which I never received. I had a renter in the home at the time of the foreclosure. She was able to stay almost two years before the sheriff locked her out ( XXXX, XXXX ). 
Wells ' agent ( out of XXXX Ga ) was made aware that i was a victim of a predatory loan ; my mortgage started at {$1600.00} in XXXX ; it was {$3200.00} by the time I was foreclosed on. 
There are may other people who were turned out of their home by Wells that got settlements ; I simply want what i am owed for my pain and suffering from losing the only home I've ever had. I have XXXX stage XXXX XXXX, and could use the money since I am now permanently XXXX. 
Wells owes me ( and I'm sure other folks as well ) who have not spoken out. Don't let them get away with this!!!!
Product: Checking or savings account

I transferred {$3000.00} from my account to my savings account at the XXXX XXXX XXXX XXXX. The bank claims to have sent the money but it has not shown up in my savings account. I tried to ask the customer service to look into it but they keep asking me to ask the destination bank that hasnt receive any funds from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Bankruptcy Reporting by TransUnion Violation of FCRA , FDCPA, and CFPB Regulations To Whom It May Concern, I am writing to formally dispute TransUnions inaccurate reporting of a bankruptcy and associated accounts on my credit report. TransUnion did not obtain this bankruptcy information directly from the court, which calls into question the accuracy of their reporting. This violates multiple consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Since TransUnion did not verify this bankruptcy directly with the court, the information is unverified and inaccurate.

1681i : Consumers have the right to dispute inaccurate information, and credit reporting agencies must investigate and correct any errors within 30 days.

1681c ( a ) ( 1 ) : A bankruptcy must be reported accurately and can not be listed for more than 10 years. If TransUnions source for the bankruptcy is not the court itself, they are misrepresenting the source and validity of this information.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 ( If a debt collector is involved ) 1692e ( 8 ) : It is illegal for a debt collector to report false or misleading information to a credit reporting agency. If any debt collector is reporting this bankruptcy information inaccurately, this would constitute a direct violation of the FDCPA.

3. Consumer Financial Protection Bureau ( CFPB ) Regulations Under CFPB guidance, credit bureaus must ensure they are using reliable and verifiable sources. Reporting bankruptcy information without court verification is deceptive and misleading, violating CFPBs prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ).

Because TransUnion is failing to comply with these laws, I demand that the inaccurate bankruptcy and all associated accounts be removed from my credit report immediately. I have attached a copy of my credit report with the disputed information highlighted, along with any supporting documentation.

Failure to correct this violation may result in further action, including formal complaints to the Federal Trade Commission ( FTC ), CFPB, and potential legal recourse.
Product: Credit card or prepaid card

Hello, I recently had my Bluebird by American Express account shut down at random. I have previously used the card with no issues. This time I have attempted to withdraw part of my XXXX $ in the account. The card declined. Then I called american express 's customer service and can only get an automated response. I am on XXXX and most of my money was on this account which I am now having witheld from me. I am afraid of the possibility of bankruptcy and this closure happened with no warning. I dont know how I will pay my bills or buy groceries now with American Express hoarding the last of my XXXX check. Please I need help recovering these funds as I have done nothing wrong. Thank you so much.