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

I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX  XXXX/XXXX, XXXX  XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account with XXXX account # XXXX has been closed and charged-off since XX/XX/2019 in the amount of {$170.00}. I've disputed this item with XXXX but they claim they can not find my account. XXXX can not verify my account however, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Mortgage

I have made two payments on my new mortgage with Mr. Cooper. Acct : XXXX and attempted to correct erroneous collection of property tax escrow. RESPA requires actual amount but the amount is double the actual property tax obligation. They refuse to adjust even though I have the actual XXXX XXXX Indiana property tax statement. I understand that if I provide the actual statement they are required to adjust my escrow payment which is included in my total mortgage payment. Mr. Cooper as my loan servicer has refused. Please investigate how this violation of RESPA can be enforced.

Thank you.
Product: Credit reporting or other personal consumer reports

I pay annual fees to XXXX to keep my credit card open. 
XXXX states that I requested to close that account. I have never requested to close this account. Everything about this account remains open on the XXXX app. Moreover, I still use the card and I still paid annual fees without interruption, and promptly, to XXXX. There is no reason why this account should indicate closed. 
XXXX confirmed this mistake on their end and I requested that they update the Credit Bureaus. They have not updated the credit bureaus, which still indicates a closed account for them -- but no other accounts.
Product: Money transfer, virtual currency, or money service

ON APPROX XX/XX/2021 MY CASH APP ACCOUNT WAS DEDUCTED {$120.00} FROM AN UNKNOWN PERSON. i IMMEDIATLEY NOTIFIED CASH APP BUT ABOUT A WEEK LATER THEY REFUSED MY REFUND EVEN THO THEY KNEW IT WAS FRAUD AND/OR A SCAM.
Product: Payday loan, title loan, or personal loan

Mosaic gave me a loan for my residential solar system in spring of XXXX. However my system has still not been turned on due to delays from XXXX, the city of XXXX XXXX XXXX where i live and COVID-19. My loan is paid for by my solar system collecting solar energy and selling it into the grid. However my system is still inactive due to COVID so i do not have the revenues to pay the loan as planned. I asked Mosaic for forbearance and they told me it was my problem and i have to pay or they will start assessing late fees and report to credit agencies. 

I also asked if they had a forebarence plan due to COVID and they said no. Turns out they do have a forbearance program and i was not offered it. when I found out, now in XX/XX/2020, i called their servicing department. The department told me they do have a forbearance plan if we have experienced financial hardship ( which we have, pay cut ). when i asked for it to be applied retroactively since i missed 3 months of potential help due to them not fairly disclosing the option to me ( in fact they said they had no such program ), they just said " sorry,  nothing we can do. '' I asked if i could apply for the forbearance program now ( XX/XX/2020 ). They said i need to call back closer to my next payment date ( XX/XX/2020 ). When i asked why and if their computer system could not handle a request being made 25 days early they said " that's just the way it is, sorry. '' In other words they are just trying to make it harder.
Product: Credit card or prepaid card

About XXXX dollars has been taken out of my account and i dont know how. Please help i need this money back thanks
Product: Credit reporting or other personal consumer reports

My account with EXTRA was never late! I have had exceptional payment history witH XXXX  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 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 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. EXTRA 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, credit repair services, or other personal consumer reports

Please be advised, Ive been a victim of identity theft. I sent in an ftc report back in XXXX. Equifax failed to investigate properly. 

Ive never done business with XXXX XXXX XXXX XXXX bill is {$500.00}. Account says it was opened XX/XX/21. Which is funny because I never received any medical care from XXXX XXXX in XXXX of this year or XXXX of any time. Ive never done business with this company or entered into a written contract with this company
Product: Debt collection

I have a debt collection letter from XXXX XXXX XXXX XXXX for {$110.00} for PayPal. 

XXXX ) I logged into PayPal and currently have a positive balance. 
XXXX ) I do not recognize this debt. 
XXXX ) I can not actually log-in to XXXX XXXX XXXX XXXX. I have tried the letter ID they gave me. I have tried last name, and last XXXX. Nothing has worked. 
XXXX ) The website references a page with a signature, I think I've only received the XXXX page of a correspondence. I believe this is a badly orchestrated scam. 
XXXX ) Just realized they also sent it to Washington, DE not Washington XXXX DC.
Product: Credit card or prepaid card

I have a Farmer 's Rewards Visa administered by Comenity Bank that I earn 3 % for XXXX XXXX charges. In XXXX, XXXX, they sent a letter saying the program was being discontinued as of XX/XX/XXXX and that I would have until XX/XX/XXXX to redeem the rewards. I made my final transaction on XX/XX/XXXX for {$380.00} which should have produced {$11.00} in rewards. Their website says that transaction earned XXXX rewards even though it was made before the end of the rewards program. I have tried to contact them numerous times, and up until a week or so ago, their answer was " Our systems are being updated ... be patient ''. Now, when I try to call, they say my account is closed. I understand the program was discontinued, but that does not mean they should close my card and ignore my rewards ( in addition to the {$11.00} I should have earned on XX/XX/XXXX, I have a previous rewards balance of {$35.00} ). 

I submitted a complaint to the XXXX XXXX XXXX and Comenity responded with a letter ( attached below ) that did not address my concerns but simply said to call the number on the back of my card. As I mentioned before, when I call that number, the system just hangs up when I put in my credit card number because it says it's a closed account. 

The XXXX XXXX XXXX said the business sent a letter and had satisfied the complaint ( they really didn't ). Please help me to recover the rewards I rightfully earned.
Product: Student loan

XXXX engaged in unfair and abusive practices in connection with its private loan program in violation of the Consumer Financial Protection Act of 2010XXXX helped to create private loan programs for students at XXXX XXXX XXXX , the school run by XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX improperly induced students to take out those loans to pay the tuition amounts not covered by loans or other tuition assistance from the federal government. XXXX knew that the student borrowers did not understand the terms and conditions of the loans and could not afford them, resulting in high default rates and other negative consequences. 

I attended XXXX XXXX XXXX prior to their bankruptcy and was encouraged to take out private loans as a XXXX year old kid who had no idea what I was getting myself into. The representative said it would be easy to qualify and that my education would be funded in full. They steered me to private loans as they said it would be easy to qualify. Assuming their guidance was in my best interest, I reluctantly applied and was approved. I took classes there for a period of XXXX years and was promised at the time of signing up for private loans that their career department would work tirelessly on my behalf to find me a job after my degree program was completed. Needless to say, the job prospects were few and far between after graduation and the careers department seemed to solely focus on new applicants and getting them loans via private lenders rather than helping the students they promised a hot job market for in the past. I believe my loans were initially serviced by XXXX XXXX, which has since sold the loans, and most recently, they show up under Citizens Bank and and being handled by XXXX XXXX. I have requested documentation on the original loan amount and account numbers and have never received anything. I received a random letter in the mail a few weeks ago stating the loan is now in collections and that I could settle for half of the outstanding balance ( roughly XXXX XXXX ) if I could pay in full. I just checked my credit report and it still shows Citizens as the private loan lender and the collections company is nowhere to be found. It is concerning that I attended a for profit college that misled me about job prospects and was eager to sign me up for high interest loans with no consideration to my life prospects or future employment opportunities. I feel as though I was duped by the school along with so many others and to this day can not get an answer from the XXXX or XXXX lender that has purchased my loans as to any details about the loan or the associated amounts. I feel as though this deceptive marketing and promise of career prospects that amounted to very little qualifies me to have these existing loans XXXX so I may resume my pursuit of healthy financial freedom. Please assist me in righting this wrong that happened so many years ago and continues to haunt me to this day. Thank you for your time!
Product: Prepaid card

Citi bank issued a promotional VISA card to me and I have about {$50.00} left on the card. Citi is saying that the card has expired after 6 months and it has no contact information on the card so I could inquire about the balance. After doing an internet search to try and contact them ( since information was not provided on the card ), I found that their website states that, " The Citi Prepaid Card expires after 12 months from the issue date. '' The card was issued to me on XXXX/XXXX/XXXX, so even according to their website, I should be able to finish using my card. 

I feel that this is in violation of the Credit Card Act of XX/XX/XXXX, under Title IV on Gift Cards, where the law states that : " the expiration date is not earlier than 5 years after the date on which the gift certificate was issued, or the date on which card funds were last loaded to a store gift card or general-use prepaid card. '' I feel that they are in further violation of this Act by not providing contact information on the back of the card in order to obtain further information and by not posting accurate information about this account online for public viewing. I attempted to contact them ( on XXXX/XXXX/XXXX about XXXX AM PST ) to rectify the situation and they refused any type of satisfaction.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX made an inaccurate report to my consumer credit report, which resulted in my score decreasing. I have not missed any payments or made any late payments as of XX/XX/year>. I called several times to get clarity on my account status and have been unsuccessful with this. I have also tried to submit a dispute directly with XXXX XXXX but the company has refused to allow me to do so. Since XX/XX/year>, I have spoken to several agents within several different departments and was given different information regarding my account status every time. I have asked to speak with several managers and can not seem to get through to anyone. I also received an email from XXXX asking me to make my payment for XXXX by XX/XX/year> to avoid negative credit reporting, which the payment was made by XX/XX/year> and posted on XX/XX/year>. XXXX is still insisting that they did not receive my payment for XXXX, despite my account reflecting that they did. 
XXXX needs to fix my credit report immediately or this will result in further legal action against XXXX XXXX.
Product: Credit card or prepaid card

RE : Capital One This bank has refused to investigate any of my disputed transactions. 

These are the dates and amounts of my disputed transactions : XXXX XXXX- XXXX XXXX XXXX , XXXX US Posted Date : Saturday,XX/XX/XXXX Transaction Number:XXXX Amount $ {$87.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount : {$40.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount {$24.00} XXXX XXXX XXXX XXXXXXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount : {$61.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number:XXXX Amount : {$140.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$26.00} XXXX XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$68.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX {$1.00} Amount : {$83.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount {$140.00} XX/XX/XXXX - {$43.00} - XXXX XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XXXX XX/XX/XXXX - {$600.00} - XXXX XXXX XXXX XX/XX/XXXX - {$500.00} - XXXX XXXX XXXX XX/XX/XXXX -  {$500.00} - XXXX XXXX XXXX I can not get them to investigate these fradulent transaction nor will they give me provisional credit. I have given them ample amount of time to do something. I continue to get stonewalled with a boilerplate communication which have nothing to do with the transactions. Please help me in anyway you can. 

Thank you
Product: Checking or savings account

On XX/XX/XXXX I transferred XXXX from my Fifth Third Early Access Account into my personal checking account. The funds were credited immediately. I went to my local branch on XXXX XXXX in XXXX, Fl and withdrew {$550.00}. I wrote out a check to myself for the amount.The teller, XXXX verified the funds were in the account before handing me {$550.00} cash. I returned on XX/XX/XXXX and made a cash deposit into the ATM at the same branch. I paid several bills when the account was liquid. However, on XX/XX/19 XXXX withdrew {$1300.00} which created an overdraft, Instead of returning the check for insufficient funds, XXXX XXXX paid it by mistake. To cover their error they changed all the dates for all the deposits I made. Next, they reversed all the check payments that were made when the account was liquid and charged me overdraft fees. They also added a fake check # XXXX for another {$550.00}, and they claimed that check was never debited either. XXXX is the real guilty party by creating a document with fake deposit dates. My deposits were made with cash. XXXX XXXX is alleging I owe them {$1100.00}. I spoke with two bank representatives who analyzed the transaction record and admitted the mistake. She told me {$550.00} would be returned to my account within two working days. The funds have never been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are unauthorized inquiries that hard to remove from a consumer 's Credit report? The Credit Bureaus have been neglecting their duty and have failed to comply with the FCRA section 605b and continued reporting the inquiries that I never made nor authorized anyone about these inquiries. I already sent twenty-six dispute letters to the Credit Bureaus requesting that they remove these inquiries completely from my Credit file. Upon reviewing my updates, these unauthorized inquiries are still being reported on my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and these accounts need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over six years old and has been disputed and removed successfully repeatedly for years. It keeps showing up under different collection agencies. I even tried contacting the original creditor and they keep referring me back to " whomever the collection agency is ''. No one has been able to send me verification or documentation of the original debt. Attached is emails showing prior collection attempts prior to " open date '' currently being reported to credit agencies. ( stating opened in XXXX but collection attempts show as early as XXXX which means the reported account would have to be as old as XXXX or XXXX originally )
Product: Credit card or prepaid card

Statement balance was {$320.00}. Paid thru refund at store of {$360.00}. Store clerk stated that no further payment due at the time. Next statement charged late fee of {$27.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding TransUnions Deceptive Practices Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion for engaging in deceptive practices similar to those for which XXXX was recently ordered to pay {$15.00} XXXX. It has come to my attention that TransUnion also appears to be violating the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) by failing to conduct adequate investigations into disputed information on consumer credit reports. 

The recent findings by the CFPB regarding XXXX highlight significant issues in their dispute resolution processes, particularly the failure to thoroughly investigate consumer disputes and consider all relevant information. I am concerned that TransUnion is employing similar ineffective systems and flawed processes that mislead consumers and undermine the integrity of credit reporting. 

In particular, I have experienced the following issues with TransUnion : 1. **Inadequate Investigation of Disputes** : My attempts to dispute inaccuracies in my credit report were met with limited avenues for explanation. TransUnion did not take into account all the information I provided, nor did they conduct a thorough review of the dispute. 

2. **Failure to Consider Relevant Information** : There were instances where I submitted supporting documentation for my claims, yet it appears that TransUnion either overlooked this information or did not factor it into their investigation at all.

3. **Confusing Communication** : The responses I received from TransUnion were often contradictory and unclear. For example, I received communications indicating that disputed items were verified as accurate, only to later receive notices that the same items had been deleted without explanation.

Additionally, I would like to bring to your attention a specific incident regarding my XXXX account. On XX/XX/XXXX, I was notified of a change to my TransUnion credit report, which indicated a removal of my XXXX account. My credit score dropped by XXXX points since XX/XX/XXXX, due to this removal. I will be updating photos to demonstrate that my rental agreement account with XXXX is still open, despite it being deleted from my credit report. 

Given these issues, I believe TransUnion is not only failing to uphold the standards set forth by the FCRA but is also causing harm to consumers by perpetuating inaccuracies in credit reporting. I respectfully urge the CFPB to investigate these practices at TransUnion and take necessary action to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely,