23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

Hereby I ask for a permit to release the blocked payment conducted on XX/XX/2022in the amount of USD XXXX XXXX from account XXXX in XXXX ( XXXX ) to account XXXX in XXXX XXXX XXXX. The intermediary bank informed that the payment can not be processed in accordance with original instructions due to sanctions under the XXXX program under regulations issued by the US office of Foreign Assets Control ( OFAC ). 
The payment was made from XXXX to seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX OF XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$2500.00XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

XXXX, company holding the mortgage, used a predatory forbearance system during Covid that increases the likelihood of uncontrolled debt leading to foreclosure, and while the system promises access to make payments " in any amount '' this is not the case and required numerous phone calls to correct on more than one occasion. Business accepted payments that resulted in a partial payment and then refused to accept additional partial payments to resolve the month. After conversation with the XXXX, they retaliated against a complaint by maliciously adding a note to the account advising that no partial payments would be accepted for this account after a previous loss mitigation specialist set up partial payments and permitted these payments beyond the end of the forbearance period, that " they saw no reason I should not continue to use. '' This bait-and-switch tactic is predatory and creates the hardship their program is supposed to protect against. Business also offers a " bi-weekly, automated payment plan, '' but it requires that you pay one month ahead, which is hardly the reason borrowers need payment arrangements.
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  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX 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 Date of inquiry XXXX XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous information reporting on my Credit Report : XXXX
Product: Debt collection

My husband was XXXX military at the the time of this bill I had XXXX full medical insurance coverage via XXXX. I never received a bill from XXXX and only found about this debt when I checked my credit report. I contacted XXXX my medical insurance to see why this bill was not paid and they informed me that no bill was ever submitted to insurance dunning XXXX XXXX, 2011. I contacted XXXX about this issue and I asked them to resubmit the bill to my insurance ; they refused. They said they could no longer help me because they sent it to collections. The collection agency said they will remove the report if the insurance company will send them a letter stating that I had coverage. My Insurance says they have no paperwork of any charges/bills from XXXX in 2011, so they ca n't send any letter. Tri-care ( my medical Insurance ) said to ask XXXX to resubmit the bill. Each agency tells me to contact someone else.
Product: Mortgage

I have been with Loan Care or XXXX XXXX XXXX XXXX. since XX/XX/XXXX and I have never been 30 days late with this mortgage company. One month I decided to make a payment online because I was reviewing my account details. When I made my payment online and selected the account number from which to process my payment and selected " Submit '' something happened in the process. I kept checking my bank account and the payment was not processed. When I called Loan Care they informed me that my check was returned. I told them that my bank does not show they attempted to process the payment out of my Extra... account. After speaking to several representatives and Supervisors, one person on the escalation team confirmed that Loan Care does have a glitch in their system and advised me to remove any unused account numbers from my profile. However, Loan Care refuses to accept responsibility for their error and now it is causing me adverse affect with my other creditors. Not to mention, 2 months later they sent me a letter and indicating that they experienced a data breach and my information has been compromised. I have requested a copy of the activity report for my online account for the day in which I made my payment on XX/XX/XXXX and I have not received any information. I do not have any late payments on my credit report on any of my accounts. As a result of this adverse affect of the derogatory information that Loan Care has reported on my credit report, it has caused adverse affect with my other creditors closing my credit accounts and reducing my credit lines. I was told by a Loan Care Representative that this same issue has happened to other customers and they fail to take responsibility. When I called in XX/XX/XXXX to make a payment with a representative she informed me that their system was down and she could not process my payment. The Customer Service Representative transferred me to the escalation department and a gentleman processed my payment. When I asked him about why the previous rep could not process my payment, and she informed me that their system was down and she was trying to work between XXXX systems. I would like The CFBP to initiate an investigation of the unethical practices of XXXXXXXX XXXX a.k.a. Loan Care Servicing. If they have compromised the integrity of my credit for the sake of saving face for the credibility of their company, I have reason to believe that there are other consumers that may have been impacted. I am willing to go to the News Stations to report what has happened to me so that Loan Care is not able to do it other consumers. I selected the last 4 digits of my account ending in " ... 3. '' I did not select no other account. The XXXX advised me to go online and delete any other accounts from my profile once this happened so that it would not happen again if I elected to pay online. I followed her instructions and deleted the erroneous bank account information on my profile that Loan Care told me they could not remove.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX OF XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

Attempted to enroll in auto payment to pay the monthly minimum balance due. Paid the minimum payment on time for several months. Company is now claiming that amount ( that they calculated ) is incorrect and we need to pay {$1200.00} within 3 days to make up for their error. This is the first time we have been contacted about the discrepancy despite us being incorrectly billed for months.
Product: Credit card or prepaid card

I had a Victoria 's Secret credit card. I was issued an Ulta credit card. I had decided I had little to no use for the Ulta credit card. I called the phone number on the back of the Ulta credit card to close this account. Ulta 's issuing bank is Comenity Bank. 

I had tried repeatedly to make a purchase at XXXX XXXX XXXX XXXX using my Victoria 's Secret credit card. My purchase was repeatedly denied. After being continually denied I became very frustrated. Thinking that the problem was XXXX XXXX  XXXX XXXX website i called them and placed my order with a representative ; once again, my order was declined. 

I then called the phone number on the back of the Victoria 's Secret credit card to confirm that their card could still be used at XXXX XXXX XXXX XXXX. I also verified my credit limit. 

Keep in mind a lot of time had passed. Now I called the number on the back of the Victoria 's Secret credit card to speak with a representative to find out what was causing these repeated failures to make a purchase. 

Victoria 's Secret issuing bank is Comenity ; the same bank as Ulta credit card. I was informed that my Victoria 's Secret credit card had been closed ; by me! I told the representative that there was a mistake ; I would NEVER close my Victoria 's Secret credit card. The representative started reviewing my account. I had told her that I had closed a Ulta credit card. 

After some discussion the representative then noticed that Comenity Bank is the issuing bank for both Victoria 's Secret and Ulta credit cards. The day that I had called to close the Ulta credit card, the representative had in error closed my Victoria 's Secret credit card.

I told the representative that I wanted my Victoria 's Secret credit card back! I was told it was too late I needed to do this much sooner. But I had not known that this is what was causing all my problems. She told me to apply for a new Victoria 's Secret credit card. 

I did not close my account! A representative of Comenity Bank had closed my account. I was in great standing with my Victoria 's Secret credit card, my entire balance was paid in full. I made all my payments on time. I receive various member rewards for the length of time I had my Victoria 's Secret credit card. I should not have to start all over. This is Comenity Banks error and Comenity Bank should fix this error. 

I had submitted this complaint XX/XX/2022 it should not take this much time to correct a mistake that they caused. I have missed many, many sales at both Victoria 's Secret and XXXX XXXX XXXX XXXX. Simply reissue my Victoria 's Secret credit card! I am frustrated, I am angry! 

My original complaint number is : XXXX. 

I do intend to take this further if I am not restored to my original position. 

Sincerely, XXXX XXXX
Product: Student loan

I am tired of the broken and failed processes at FedLoans. Why is it every time a change is made in my normal payment plan, there is a break in payment process with a requested {$5.00} payment that does not count towards my Public Service Loan Forgiveness Program ( PSLF ) program. I am XXXX years old, XXXX of these {$5.00} non-payments over 10 years that does not count towards my PSLF program, is more than 10 years my PSLF program is delayed from completion, i.e. almost a year is added to the 10-year wait. This affects both my finances and retirement choices towards the end of my career. I am willing right now to make any on-time regular/normal payment ( non-inflated due to process ) during each transition between plans that counts towards my PLSF program. Why is this process so broken, and whatever genius came up with the {$5.00} temporary payment is not doing consumers, federal workers and veterans over XXXX years old any favors. I am requesting that this information be passed on to a person who can make a determination and advise on how I can make regular payments without interruption? If this needs to be elevated to supervisors or a fed loan consumer advocate then please do so, I am tired of having my student loans mismanaged by Fed Loans with requirements that defeat the purpose of the PSLF program and may violate consumer protection laws. It is not in my interest to make {$5.00} non-payments over the age of XXXX, especially if my health does not permit me to continue until past the age of XXXX in my current position.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX XXXX ) ( Account # XXXX )
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX Randolph Federal Credit Union Bank XXXXXXXX XXXX XXXX XXXX texas XXXX Subject : Formal Complaint Regarding Refusal to Close Account and Withhold Funds Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the services provided by Randolph Federal Credit Union Bank . Despite my numerous attempts to close my account and retrieve my funds, I have faced significant obstacles and delays, with no satisfactory explanation provided.

I have been a loyal customer of Randolph Federal Credit Union Bank for over three years, and during this time, I have encountered numerous instances of poor customer service and a lack of responsiveness. However, the current issue represents the pinnacle of my dissatisfaction with your institution. 

To provide some context, I requested the closure of my account on XX/XX/2020, and since then, I have been met with nothing but resistance and obfuscation. I have provided all the necessary documents and fulfilled all the requirements set forth by your bank to facilitate the account closure process. Despite this, my account remains active and my funds have not been released to me. 

Furthermore, I am deeply troubled by the fact that you have withheld a check in my account for an extended period without any valid explanation. This blatant disregard for my rights as an account holder is not only unethical but also potentially illegal. 

As a consumer, I have the right to close my account and access my funds in a timely manner. The extended delay in processing my request and the failure to provide any substantive explanation for these delays is unacceptable. I urge you to rectify this situation immediately and take the following actions : 1. Close my account promptly and without any further obstacles or delays.

2. Release all funds held in my account without any deductions or fees.

3. Provide a written explanation for the unreasonable delay in processing my request and withholding my funds.

4. Offer compensation for the inconvenience, stress, and financial losses I have endured as a result of your bank 's actions. 

Please note that if this matter is not resolved within a reasonable timeframe ( I suggest no more than 10 business days from the date of this letter ), I will be left with no choice but to escalate this complaint to the appropriate banking regulatory authorities and seek legal recourse to ensure the protection of my rights as a consumer. 

I expect a prompt and satisfactory resolution to this matter. I hope that we can resolve this dispute amicably and restore my faith in the services provided by your institution. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked equifax, along with XXXX and XXXX to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to each XXXX, Equifax, XXXX   regarding XXXX XXXX services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has failed to respond, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX XXXX, Balance : {$95.00}, Reported : XX/XX/XXXX, Original Creditor Name : XXXX XXXX ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their removal from my credit report. The details of each account are as follows : XXXX XXXX : TransUnion erroneously includes this account on my credit report. The reported Balance of {$95.00} with Original Creditor XXXX XXXX XXXX. This account does not belong to me, and I request its immediate removal. 
XXXX XXXX : TransUnion includes XXXX accounts under the name XXXX XXXX, which are not mine. The reported information for each account, including the Dates Opened and Balances, is inaccurate. I dispute these accounts and request their removal from my credit report.