23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against transunion XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to express my concern and formally file a complaint against transunion, XXXX, and XXXX for potential violations of the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), the Gramm-Leach-Bliley Act ( 15 USC 6801 ), and the Code of Federal Regulations ( 12 CFR 1016.7 ). According to the Fair Credit Reporting Act, consumer reporting agencies such as Transunion XXXX XXXX have a responsibility to handle their duties with fairness, impartiality, and a deep respect for a consumer 's right to privacy. I am that consumer, and I have not consented to the sharing of my private information. This protection is reinforced by the Gramm-Leach-Bliley Act, which also declares that all financial institutions, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Per 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer involved. I confirm that I have not provided written consent to XXXX XXXX XXXX XXXX XXXX XXXX to furnish or report my personal information. I hereby revoke any and all forms of consent that may have been previously given, in any form, including verbal, non-verbal, written, implied, or otherwise. In violation of 15 USC 6802 ( b ) ( c ), I was never informed of how I can exercise my nondisclosure option by these entities. Furthermore, an adverse item has been reported, which is in violation of 15 USC 1681C ( a ) ( 5 ) as it antedates the report by over seven years. Moreover, per 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e, inaccurate information should not be furnished, and reasonable procedures should be maintained to avoid violations. It appears that Transunion and XXXX have not complied with these mandates. Lastly, I am exercising my right to opt out at any time, as stated in 12 CFR 1016.7. I am choosing to opt out of the reporting services of Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX..furthermore XXXX statue of limitation code is 34-11-2-7 and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana and it has been 8 YEARS & they still have not removed the account after i put it under dispute the statute of limitations 15 U.S. Code 1692k - Civil liability in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I respectfully request the Consumer Financial Protection Bureau to investigate these matters and take the appropriate actions to rectify these issues. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased furniture from a local XXXX on credit on XX/XX/2019. XXXX uses Synchrony Bank for financing these types of purchases. I have never received a billing statement fro Synchrony Bank despite several requests. As such, I dont even know my account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report back in XX/XX/XXXX and noticed an account on my Equifax and XXXX credit reports that I did not consent to, authorize nor benefit from the account, The account is with TDRCS/MOR FURNITURE FO. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay TDRCS/MOR FURNITURE FO. Therefore they are reporting invalidated and inaccurate information on my credit report.
Product: Mortgage

Hi, XXXX XXXX XXXX XXXX and he had a reverse mortgage. After looking over his loan papers & finding out the amount of money due to payoff the mortgage, we suspect that he could have been a victim of predatory lending. I have documentation of the loan process and questionable information. Over the course of 6 years, the loan has accured over {$34000.00} in interest alone. The original Mortgage company has since filed XXXX  XXXX Bankruptcy and the loan has been assumed by another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I became a US Citizen and have changed my legal name from XXXX XXXX to XXXX XXXX. Since then I've updated my state id, social security card, received my US Passport, updated my bank information and my paystub info. 
I'm currently applying for a mortgage and can't get financing because the lender can't get my equifax credit report under my new name. 

I filed 3 separate disputes over my legal name. First 2 were filed thru https : //www.equifax.com/personal/credit-report-services/credit-dispute/ after I called their customer support and they told me to go this route. 

Using their system I uploaded my new and old state IDs, new/old social security cards XXXX certified copy of name change petition from northern district court of US District court , new paystub for my new legal name. 


Both disputes were completed with the result : >>> We have reviewed the identification information. The results are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. Name : XXXX XXXX XXXX : XXXX Birthdate : XX/XX/XXXX For the 3rd dispute I called their phone number, waited a long time with an " Unusually high call volume '' message which is simply a lie since if they always have that many calls- it is *usual* call volume. 

The customer service representative told me she will open another dispute over the phone and this time it will work since she is using the document that I uploaded 2 previous times. The last dispute was completed on XX/XX/XXXX but I can't get the disputes ' result in my online profile since the dispute was created over the phone but I requested my credit report and it is still under my old legal name. 

If my lender can't get my equifax credit report, then I can't get the required financing and will lose my earnest money deposit which is quite a lot. All due to poor quality of service from equifax. 

Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Credit card

I used my American Express Credit Card to purchase a dress for {$XXXX} from an online vendor ( XXXX ) on XX/XX/year>. Unfortunately I encountered a dispute with the vendor that remains unresolved. As a cardholder, I expected American Express to fulfill its obligation to protect me from wrongful charges and advocate on my behalf, as the company claims to do when disputes arise. However, American Express failed to adequately challenge the vendor and did not apply a credit to my account for the disputed amount. Instead, I have been charged ongoing interest, further compounding the issue. This failure to protect me from an unresolved, disputed transaction contradicts the assurances provided by American Express regarding customer protection in such situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and they are leaving fraudulent information on my credit report
Product: Mortgage

Good afternoon, I am writing to complain and get help with a very unethical company that now calls themselves Amerihomemortgage Company. We purchased our home in the fall of XXXX XXXX with XXXX. They were great for the first month. We found out or mortgage was sold to XXXX that fall. From the beginning we have had problems with this company not applying payments, and harassing us. The switch between mortgage companies lost the first 2 payments, which we just though was our fault. We did not realize how naive we had been until XXXX of this year. We have been sending XXXX letters to rectify payments that they had not applied to the account, since they decided to send our payments that we have been sending in back, and constantly calling and hanging up about 10 times a day from XXXX to XXXX. We have tried contacting the company, but they refuse to communicate with us, and because we sent them letters, they finally replied with a letter from their attorney to either have us pay XXXX which is the loan, or lose our house. We send in the same documentations we have been sending XXXX to their lawyers, and have not heard back from them either. The situation is still not fixed. We attempted to pay the full amount or around XXXX $ that they claim we owe, so we could then have piece of mind, and take them to court, but they would not even allow this to happen. Our family life is a very anxious and depressed situation due to this, and both my wife and myself have sought out medication, and a lawyer for that matter. Attached are documents showing the information. This company even tried to blame our bank, who gave of trace numbers for the payments in question. We are overwhelmed, so we started researching this company and found we are not the only people to have these problems with the company.
Product: Credit reporting or other personal consumer reports

I am a victim of Equifax data breach please Block Unauthorized Accounts Under Section 605B of the FCR See attachment for more detail
Product: Debt collection

S W Credit System XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Attempted to collect a XXXXXXXX XXXX bill I don't owe. 
Amount {$290.00} FALSELY reported to the credit bureau 's. 
Never provided me with any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this creditor, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2
: It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ann open end consumer credit plan as late for any purpose.
Product: Checking or savings account

- I recently closed on a home mortgage loan with Citibank, and to get a lower rate with a relationship discount, I had to bring new assets to Citi thus creating a Citi Brokerage account. 
- Citi also requested that the XXXX month mortgage be paid with a Citi checking account, so thus I also created a new Citi checking account. 
- To close on the loan, Citi said this checking account needed to be funded with XXXX which I did. 
- After the house closed, there is still almost 2 months before my first mortgage payment is due, so I wanted to pull out some money from my checking account to put it into brokerage so this money can at least be accruing some risk-free gains in treasury bills . 
- Citi wouldn't let me transfer the money out from my checking to brokerage account, and then locked and closed my account immediately, which still had significant funds ( {$25000.00} ) in it, and said they would mail me a check in 60-90 days. 

I am not sure whether it's because my Citi checking account is new ( ~30 days old ), and then had several transfers in and out, but Citi flagged my account and closed the account entirely with no warning. Had I not tried to sign in that day to again, try to transfer the money to my brokerage account and then call, I never would have even found out.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process s was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to file a complaint against Rent Recovery Solutions regarding the collections on my credit record. Despite their prompt response to my inquiry, I am highly dissatisfied with the information provided. I believe that Rent Recovery Solutions has violated my rights as a consumer, and I am seeking your assistance in resolving this matter. 

In their response, Rent Recovery Solutions attached copies of documents allegedly provided to them by their client. However, these documents do not include any evidence of a signed agreement between myself and Rent Recovery Solutions [ 1 ]. As a consumer, I have the right to verify the accuracy of the information in my credit report and to dispute any inaccurate information [ 1 ]. Without proper documentation, it is impossible for me to ascertain the validity of the debt they are attempting to collect.

Additionally, I would like to bring to your attention that the address listed on the bill sent by Rent Recovery Solutions does not match my current or previous addresses. I have never resided at the address mentioned in their response [ 2 ]. This raises concerns about the accuracy and legitimacy of the information they are reporting.

According to the Fair Debt Collection Practices Act ( FDCPA ), Rent Recovery Solutions is required to provide me with documentation substantiating the existence of this debt and my agreement with their company [ 4 ]. However, they have failed to do so, which is a violation of consumer rights and the FDCPA.

I kindly request that the CFPB intervene in this matter and ensure that Rent Recovery Solutions provides the necessary evidence to verify the validity of this debt and the accuracy of the information they are reporting on my credit record. It is crucial that my rights as a consumer are protected.
Product: Credit card

Recently Discover Card reduced my credit limit, citing " no collateral. '' My monthly payment has never been late and I do not use the card any longer. I told the representative who took my complaint that I was effectively being punished for using my card and paying on time. This event has impacted my credit score which affects my financial well-being. As a senior citizen, I can not afford such egregious tactics.
Product: Credit card or prepaid card

I have been receiving debit cards from companies such as XXXX, XXXX and CashApp that I never applied for. I do not have any of these apps. When I call the companies regarding the cards, I have to go through their fraud process to cancel the account. As far as I know there hasn't been any actual activity on the account. The concerning aspect of this is how these accounts are being opened in the first place. I believe that it may have started after I listed an item for sale on XXXX XXXX XXXX. I had someone pressure me to open a XXXX account, which I refused. Shortly after that encounter I received the first debit card. I have my credit frozen ; therefore, no one can open a credit account under my name. I would like to know how I can prevent these debit cards getting opened in my name and what protections I need to put in place to prevent this from happening going forward.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 my institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CPFBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability is unacceptable.
Product: Student loan

Hello, I received a letter from Aidvantage stating that my account was put in forbearance due to SAVE being challenged in the courts. According to this letter : - While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance.

I have been keeping track of this, and unfortunately, my loans have been accruing interest ( even though they are not supposed to ).

I have 13 loans, of which 10 are on SAVE. Those 10 have accrued interest. For example, loan 1-02 Direct Loan - Subsidized had a balance of {$2200.00} on XX/XX/year> at XXXX. As of XX/XX/year> at XXXX, the balance is {$2200.00}. My total loan balance was {$96000.00} ( on XX/XX/XXXX ) ; it is now almost {$1000.00} more at {$97000.00}, despite even submitting a {$100.00} payment toward the lowest loan amount, loan XXXX. 

I contacted Aidvantage to inquire about this since according to the official statement put out by the government and their own official letter, these loans are not supposed to be accruing interest. I was told that " The federal government is paying the accrued interest on your account. You are enrolled in SAVE so there will be no interest. The federal government pays the accruing interest periodically. Check back in a few weeks and it should be gone. '' I was not given a clear answer and periodically had to state that the loans on SAVE shouldn't be accruing interest while on forbearance as per the official letter than was sent to me. All my requests were ignored and the only answer I was given was " the government will pay. '' It was extremely unhelpful and unprofessional.
Product: Debt collection

XXXX sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at XXXX who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a XXXX pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was 1 certified letter and 2 in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. XXXX is either confused our incompetent either way I think my XXXX year old mother with XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by XXXX and filled out and sent to them
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/2024, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 49 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 49 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

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

up in accordance with the Fair Credit Reporting act XXXX Account # 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 Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

Sir/Madam, I am writing to bring to your attention a serious issue regarding a failed credit transaction into my bank account. Despite being promised by XXXX BANK OF AMERICA ] that the amount of [ XXXX $ ] would be credited into my account on [ XX/XX/year> ], the funds have not been received yet. 

The details of the transaction are as follows : - Transaction ID : [ XXXX ] - Date : [ XX/XX/year> ] - Amount : [ XXXX $ ] - Bank Account Number : [ XXXX ] I have already approached the bank 's customer service department, but they have failed to provide a satisfactory response. As a result, I am facing financial difficulties and inconvenience due to no fault of mine. 

I request your intervention in this matter to ensure that the bank credits the amount into my account immediately. I would appreciate it if you could also investigate this incident and take appropriate action to prevent such instances in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ]