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

I am writing to file a dispute against TransUnion, XXXX XXXX XXXX consumer credit reporting agencies, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like TransUnion, XXXX XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that TransUnion, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore, TransUnion, XXXX, & XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of TransUnion, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of TransUnion, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate TransUnion, XXXX, & XXXX for their violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My auto insurance company notified me that LexisNexis had reported adverse information to them, specifically that I was over 85 % withdrawn on a revolving bank line of credit. 
However, I have no such line of credit. I have never had such a line of credit. I know that there is no such fake account as an identity fraud either, because I have had credit monitoring with XXXX for years. 

I know that they did not accidentally report information on someone with the same name, because I am the only person in the United States with this first/last name combination. 

I also note that to get a " free '' explanation from LexisNexis, they ask for passport, drivers license, social security number, and several additional things adding up to an extremely convenient package for them to sell to identity thieves among others. I furthermore note that their website where they ask for this ** explicitly says ** that they * will * sell this information, which of course I did not provide. I believe that this is deliberate fraud /scam by LexisNexis XXXX I note the hundreds of similar complaints by others within the past ONE MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Money Lion Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from Money Lion staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. Which violates XXXX XXXX of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Money transfer, virtual currency, or money service

So in XXXX of XXXX I went to XXXX and purchased a Real XXXX which turned out when I returned to XXXX the XXXX was a complete fake so I took it to a XXXX authentication center and they gave me a paper I still have today and stated that it the XXXX was a complete fake and when I tried to contact the company that sold me this fake Rolex they blocked me and wouldnt pick up my calls so I immediately called the bank because when I was out in XXXX the store worker persuaded me to use XXXX to send him XXXX dollars and he grabbed my phone and sent him self XXXX under the name of social media I let the bank know ( chase ) and they told me due to it being through XXXX I wont get my money back but XXXX still reimbursed me for the other XXXX I lost so all together I lost out on XXXX originally purchased price was XXXX I just want to get my XXXX dollars back I feel if XXXX would have more control of the app I could have easily gotten my money back without losing out on XXXX dollars due to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.
Product: Money transfer, virtual currency, or money service

I used Remitly to transfer money from US to XXXX and they promised to transfer within 4 hours and charged {$3.00} transaction fees. My USA account was debited immediately, but even after 10 days my recipient did not get the money. I called them 5 times ( 3 times by chat and 2 times by phone ) to get a Proof of Delivery and still did not receive it. 

Details below : Transfer No. : XXXX XXXX XXXX XXXX DELIVERED XXXX We have confirmed funds were deposited to your recipient 's XXXX XXXX XXXXXXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2021 XXXX XXXX PST ( XX/XX/2021 XXXX XXXX IST ) TRACK YOUR TRANSFER Your debit card Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX PST
Product: Mortgage

Bank of America have once again destroyed all home loan mortgage account modification, loss mitigation, and workout assistance related documents and documentation contained within the Bank of America created, maintained, managed, and supervised borrowers Home Loan Modification Status iportal, My Documents tab page. 
I have been unable to navigate to the My Documents tab page of the borrowers iportal since XXXX XXXX, XXXX to today, XXXX XXXX, XXXX. When I was finally able to gain access to the My Documents tab page, every document had been deleted from the list of uploaded and received documents. Even now, I continue to be unable to upload documents directly to the iportal. 
Bank of America continues to destroy my home loan mortgage account records without justification and explanation knowing that when Bank of America destroys evidence the burden of proof shifts to the destroyer of the evidence. 
Bank of America has been trying to create a record that supports their knowingly false position that I have not submitted a complete Request for Mortgage Assistance ( RMA ) application package since XXXX XXXX, XXXX. One of the ways Bank of America representatives thought to do this was through the intentional destruction of the record and documents uploaded to the borrowers iportal. 
I have noticed that the borrowers iportal is no longer supported with technical assistance by an independent third party. This strikes me as unusual, but not when put in the context of Bank of America and their representatives misconduct, mismanagement, and mishandling of the borrowers iportal including, but not limited to, the destruction of per, private, and financial documents, information, data, and records.
Product: Credit card or prepaid card

hello, i received a offer from chase bank for chase ink credit card which offers me 12 month of 0 % interest for any balance transfer, i did apply for it and i did get approved in couple of seconds for XXXX dollars line of credit and i received an e-mail that i have been approved, after couple of days i received my credit card with welcome package from chase, but when i called to activate my card, they told me the account has been closed.i did not even activate my account yet and account has been closed, why? i know they could close the account when ever they want. but as a consumer shouldn't i be able to know WHY???
Product: Checking or savings account

A scammer contacted me and somehow got access to our XXXX account in our Wells Fargo account and add them on as a recipient on XXXX. I hung up the phone, but {$400.00} was removed from our account. I contacted the bank and filed a complaint, but was told it was unlikely we would get the money back, because XXXX does not refund, even when they know fraudulent activity has occurred. XXXX and Wells Fargo should have extra security steps available, especially since I did not put XXXX on my bank account and I did not authorize any payments to this recipient or add them on to my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding the multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits, This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

TransUnion failed to respond in a timely manner and they are reporting inaccurate information on my credit report. I am extremely stressed and worried because i am unable to purchase a home because of their inaccuracy which need to be deleted as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent dispute letters to experian through The United States Postal Service XXXX mail. I expected to receive some type of communication from experience within 30 days. On XX/XX/2022 I checked the certified mail tracking number and found out and found out that the letters i sent to experience on XX/XX/2022 were delivered on XX/XX/XXXX XXXX 2022 at XXXX pm. So at this point it had been over 30 days since experience had received my dispute letters letters and I had not received any correspondence. Because I had not received any correspondence I proceeded to call experience on XX/XX/2022 to find out what was going on. When I spoke with an agent from experience I was told There was no disputes in the system for me. I explained to the agent that I had sent in dispute letters and they had been signed for and received on XX/XX/2022 at XXXX pm. The agent told me they had not received it and that I need to resend the letters and start the process from the beginning. That does not make any sense and does not follow the laws set in place to protect the consumer from aggregious things like this. I was told " they could not find anything from me but they have a signature on the certified letter from an employee of their company. I need help getting this issue right. When i asked to speak with a supervisor I was told they dont have time to talk to people about small things like this. Is this how business is supposed to be done by the major credit bureaus? I need your help now because this company is not following law and procedures that have been in place for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the accuracy of the information reported on my credit report regarding an account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The account number ends in XXXX, and it was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Below are specific inaccuracies I have identified that require correction : Inconsistent Charge-Off Balance & Payments : The original charge-off balance was listed as {$460.00}, yet the current balance is {$430.00}, and there is a {$25.00} payment reported in XX/XX/XXXX. Despite this, the XXXX XXXX shows {$0.00} for most months. 

Inaccurate Delinquency Reporting : The account was closed in XX/XX/XXXX, yet there are reported delinquencies of 120 days in XX/XX/XXXX and XX/XX/XXXX. This is inaccurate, as new delinquencies should not have been reported after the account was closed. 
XXXX XXXX XXXX : The account still reflects a past due amount of {$430.00}, despite being marked as charged off. Closed/Charged off accounts can not have a past due balance Inconsistent Account Rating : Several months are marked with an " XXXX XXXX  under the Rating, but others reflect " C/O '' ( Charge-Off ) status. This inconsistency raises concerns about how the accounts charge-off is being reported. I request that the account history be reviewed and corrected for consistency. 
Please investigate these discrepancies and remove the inaccurate information from my credit report. If the information is verified as accurate, please provide me with the documentation used to verify the charge-off, delinquency, and balance. 

I look forward to your prompt investigation and resolution of these issues. Please respond within the XXXX period as required by law.
Product: Mortgage

I have a mortgage with XXXX XXXX and it is serviced by Loan Care. I have been trying to get a pay-off statement for over a week. The web site request does not work ; I have been cut-off in numerous phone calls or transferred into a dial tone by surly and uninformed " customer service '' reps. I just want to pay off my mortgage but this company 's systems ( phone and web based ) are so poor that I have been unable to even get a pay-off number. This is a blatant attempt to continue to extract mortgage interest from me. There must be a solution but the company is so poorly managed that it is impossible to find it. I do not know where to turn. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have read their correspondence regarding my filed CFPB complaints back in XX/XX/2024. 

TransUnion stated that these account were verified on their end but ; XXXXXXXX XXXX XXXX XXXX- Account # : XXXX-Paid-off account & must be updated to current status! 
XXXX. XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX. 

XXXX stated that the account below is NOT currently reporting on the XXXX credit file, however, Im still seeing that this account is being reported on my XXXX credit file as per XXXX XXXX latest and updated credit report. 
XXXX. XXXX XXXX  - Account # : XXXX - Inaccurate Report! 

Lastly, XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX XXXX - Account # : XXXX -NO longer reporting to XXXX & TransUnion XXXX XXXX XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX I would like to inquire about the method they employ to verify and validate the authenticity of the above-stated accounts? Why are some categories or information provided on my credit report still different from other credit bureaus? How did they conduct their investigation to ensure applicable and fair results? I still do not observe complete accuracy in their verification method. 

According to Congress, if an account displays inaccurate details and the consumer disputes it, requests an investigation, and, following the investigation, the same inaccurate information persists in your furnished reports, then the disputed accounts should be subject to removal. 

The significant question here is, why do the same inaccuracies appear concurrently in both of their previous and recent credit reports? Shouldn't all credit bureaus be reporting and obtaining the same information from a single furnisher? 

I need clarification on this matter and I insist that the above-mentioned inaccurate accounts MUST be completely removed from my credit report.
Product: Checking or savings account

My m & t bank account has been blocked XX/XX/2022. I called to see why that day and was told because of a check deposit. I was told i could not access my account until those 5 days were up. I went into the bank that Saturday with my account number and state drivers license and was told by the teller they could not give me any information on my account because it was still locked. I called customer service to see why the lock was still on and was told the check came back unpaid I should be able to go inside the branch to speak to the manager and he can email the department handling my case so u can access my available funds. I did that but never received a call back. Today XXXXXXXX XXXX  I tried to log on my online banking and its still blocked.i called the fraud department and asked her when the lock will be taken off so that I can have access to my available funds and she looked at notes and told me there hasn't been any updates that she can tell me and on my file but that I should be able to go into the branch and they can assist me. i told her I tried that twice and they can not help me. She said there's nothing else that she can tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) Account # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXXXXXX XXXX # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX MD XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Company has not resolved the issue they never provided me with their findings or factual proof the originally deleted the information to turn around and state that they are putting it back on my credit file because it has been verified. None of the information belongs to me per the law they have not provided me with significant evidence as well as they haven't provided me with the documents requested. I have not received original contracts with my signature or anything please delete asap before I tend to my lawyers. I will attach the original request of mine again for this is the 100th time doing this correct this asap.
Product: Checking or savings account

I signed up for overdraft protection and the company is still charger me a fee for return check fee of {$29.00}. I was charged {$100.00} for overdraft protection fees. When I charged my card for XXXXXXXX XXXX purchase the funds was in my account but I still was charged XXXX per transaction because of the company process the transactions. I dont understand wht is protecting me cause I have all these fees
Product: Credit card

I purchased a bed from XXXX XXXX and they aggressively pushed their store card on me, advertising 0 % interest for a year, while failing to mention that if I did not pay the balance in full within a year, I would be charged interest in arrears at 35 % for the initial amount financed at the time of purchase. ( I have a XXXX credit score, no less ). I would NEVER have signed up for this if I had not been deceived. 

Alas, I was charged {$700.00} interest on my last statement on a balance of {$1600.00}. I tried to resolve this with them, but they refused unless I immediately paid through my checking account. I offered to do a balance transfer to my main credit card with XXXX XXXX- they refused! This is unethical and immoral at the very least. The bank issuing this was Synchrony Bank - notorious for deception! I have reported them to the CT Attorney General. XXXX XXXX aggressively pushed this financing. I suspect there are kickbacks involved for this conspiracy, although I have no evidence. Im not sure who is to blame, but Synchrony Bank has a horrible reputation and should be called to account for their deceitful and predatory lending practices.
Product: Bank account or service

My bank accounts at Trustmark bank have been compromised. I have sent a complaint concerning one of my checking accounts and I need to add the other " High-Yield " account as well. I have attempted to reconcile these matters with the bank, on several occasions without any resolution. I am a victim of Identity Theft which I reported to the FTC. I have also reported the bank account breaches to the FDIC. My E-mail has been compromised. I have never had an internet account for any of my banking accounts. I never use on-line banking.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX