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

This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of Transunion, XXXX, XXXX XXXX. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done XXXX in proper investigations on my credit profile. After XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sadly my credit has been a XXXX XXXX block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have XXXX accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
XXXX U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
XXXX has Deleted XXXX XXXX  off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, XXXX  and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, XXXX investigations in a row. 
THIS is a HUGE violation of my rights
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer services and unfair practice, which violate the consumer Financial 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 was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and u seen appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Experian did not do a full investigation on account XXXX XXXX XXXX XXXX. Under 15 usc 1692g validation of debt Also 15 USC 1681 section 602 A, states I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are unknown to me. I require you all to remove/block any items or information not later than 4 business days after my complaint. Ive already included this in my previous Complaint & I am including it again., Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX TX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Owed XXXX {$150.00} XXXX XXXX Balance Owed : {$380.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX I did not get permission to run those hard inquiries I demand those reports to come off my credit
Product: Mortgage

Since the transfer of this mortgage ( XX/XX/XXXX ) from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representatives have not assisted in the following umbrella of Hazard Insurance requests. Received another letter dated XX/XX/XXXX. 

( XXXX XXXX Their first communication to mortgage holder was not a introduction or mortgage statement, but a request for hazard insurance - XX/XX/XXXX. There are many types of hazard insurance, mortgage holder was unsure which XXXX. This was not requested by XXXX, or XXXX XXXX XXXX. Mortgage holder sent multiple written requests for clarification. It took XXXX XXXX over a year to address the request for clarification. 

( XXXX ) In the interim, XXXX policies related to the XXXX hazard insurance was sent to their vendor - XXXX. XXXX was the first point of contact, and then XXXX. Not only were the policies faxed, emailed ( XXXX ) and discussed over the phone with this company, mortgage holder requested that vendor communicated timely with Gregory Funding. Fax was sent to Gregory Funding as well for a hazard policy that expires XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). Letters persists without response to ALL hazard insurance related written letters. The company consistently denies mortgage holder opportunity to discuss these issues since XX/XX/XXXX. Mortgage holder called again in XX/XX/XXXX and was denied assistance by XXXX of customer service. 

( XXXX ) Per loss mitigation file with HUD agencies, declaration page of both homeowner 's and XXXX insurance XXXX XX/XX/XXXX & XX/XX/XXXX ) were submitted. 

( XXXX ) Called XXXX and spoke with head operator who connected call to XXXX XXXX, head of XXXX XXXX, left a voice message. Awaiting call back. Operator Sup researched the email address ( XXXX ) and stated email shows associated web developer 's name. Head operator called to reach XXXX, XXXX rep, no answer. Mortgage holder was transferred to XXXX 's voice mail, left a message for XXXX, no response from Candy or XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. Discover Bank XXXX THIS ACCOUNT WAS FRAUDULENTLY OPENED. IT IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i received an email notice that my credit score dropped for experian so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for XXXX minutes they could not find my account so i called experian and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them XXXX ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the real estate industry and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help me.
Product: Credit card

Long-story short : Capital One Travelcenter does not advertise when fares are non-refundable and when they are- I booked a fare that never disclosed that it was non-refundable, for XXXX Capital One miles ( worth approximately {$920.00} ), had to cancel that flight, and Capital One Travel refused to return the miles, and refused to provide me with an opportunity to discuss outside the Travel Center. 

On XX/XX/2023 I booked Capital One Travel reference number XXXX, a flight from XXXX to XXXX, for XXXX XXXX See attached documentation. Due to a medical situation, we had to cancel the flight on XX/XX/XXXX, which had to be done through the airline, XXXX XXXX XXXX. After canceling the flight I noticed the miles did not return, and called Capital One Travel Center. After our conversation, I looked online, and found countless reports of Capital One Travel Center not advertising when fares were non-refundable, and keeping the miles. I have used other travel centers from their competitors ( XXXX, XXXX ), and they always advertise when a fare is refundable and when it is not. This is a systemic issue. 

On both XX/XX/XXXX and XX/XX/XXXX, I wrote to Capital One 's executive team about this issue ( see attached ). I did not hear back during either instance. I'm not seeking anything extra from Capital One, just the miles that were unfairly taken from my account.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX  XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( 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, 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 ) ( XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX OF XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX  XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXXXXXX 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 XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TRANSUNION. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies in my credit report, prepared for me on XX/XX/year>. As a consumer, I rely on the accuracy of my credit information, and I believe your failure to properly handle disputes violates the Fair Credit Reporting Act ( FCRA ). I also refer to the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for alleged practices that include failing to correct consumer reports after disputes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 15 U.S.C. 1681i ( a ) 6 ( B ) 3 and 15 U.S.C. 1681i ( a ) ( 5 ) B. Despite previous disputes, the errors remain unresolved, causing significant harm to my credit standing.

Experian has violated the information in my credit report and has put inaccurate information on my credit report.

I requested the following from the credit bureau : 1. Verification and validation of all disputed accounts. Please include exact dates for each report.

2. Correction or deletion of any inaccurate information. Make sure my phone number, email, and address matches on each report.

3. Written confirmation of the results of your investigation. Please verify the accuracy of this information.

I have yet to hear back with the correct information in regards to what is on my credit report.
Product: Debt collection

XXXX from Integrated XXXX called asking to speak to an employee of our company, we let them know this was a place of business and personal calls were not allowed. XXXX then laughed and said it was funny that he ca n't speak to the employee about her debt she owed. Our other employee asked how he could be discussing her personal matter with someone other than his customer he said he was n't. She asked him not to call the business number again. He then called back and when he was again asked not to call our business again, he said get use to my voice you will hear it everyday til she pays and hung up. We then called the company spoke to another gentleman who said he would take us off the list of people to call. The next morning our manager called the company and spoke to XXXX after we had received an automated call asking for garnishment information about our employee. She spoke to him about his employees collection efforts, he then said he would take care of the matter and that he recognized the error of XXXX collection efforts and assured us that our business would not be contacted again. at XXXX XXXX/XXXX/2016 XXXX called again, asking for our employee, we let him know we had spoken to his manager who said we would not be contacted again. He said no we did n't, there was no XXXX and that he would continue to call everyday. Our manager then called XXXX back who said would you like me to spank him? She asked why his attitude had changed since their earlier discussion, he said that the only way they would stop was if the debtor had her lawyer send a cease and desist letter. Our manager let him know that was not true and to be expecting XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my online retirement accounts with XXXX XXXX. I called to get an access code, was put on hold a very long time and then told to answer a lot of information that was irrelevant to me. First I was asked about cars I may have rented at any point in any number of decades. I travel often and it is absurd to expect me to remember what cars I may have rented for 10, 20. 30 or  so years. Next I was asked about " my brother, XXXX XXXX '' who, I was told, was showing up on my credit report. Nothing like this should be on my credit report. To protect my own credit report and privacy, I should not be required to comment, confirm or deny, anything about any alleged brother ; if such a brother existed, neither should I even be asked about him, to protect his own privacy, credit report, etc., if I had a brother with this name. I argued with XXXX XXXX about the crapp it requires people to answer in order to allow them to get into their own accounts. They ignored me. Eventually, I hung up. 

The CFPB needs to get serious about protecting people 's privacy, instead of violating it for reasons such as this. 

It also needs to sanction XXXX XXXX for locking me out of my account because I don't know what garbage it wants to cram down my throat on any particular occasion. Why are consumers bearing the bulk of business risks for the likes of XXXX XXXX and others?
Product: Vehicle loan or lease

I write in response to a vehicle lease with Mercedes Benz Financial Services, LLC ( MBFS ) account number XXXX. On or about XX/XX/XXXX, I traded this vehicle in at WI XXXX XXXX XXXX and was advised that a payoff quote was received and that payment would be tendered within 7 days to MBFS to satisfy and close this account. As of todays date, MBFS is still reflecting an outstanding balance of {$3200.00} owing on this account. I previously wrote to MBFS regarding this matter, and was advised that this matter would be looked into and resolved. As of todays date, I have not received anything responsive to my request for information. 

Notably, a Settlement Agreement I signed along with the co-lessee on or about XX/XX/XXXX, which also mentioned MBFS as a party, stated that all disputes and issues with this vehicle ( XXXX XXXX ) would settled in full. 

Accordingly, I am hereby demanding that MBFS credit this account the {$3200.00} and close this account and report it as paid in full to all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt to get this company to fix errors that I have pointed out to them about ( XXXX - XXXX ) I recently pulled my reports and noticed they are still reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. 

They are in direct violation of my FCRA rights of not reporting accurate information and it is affecting my ability to obtain new credit. I have received no proof from this company that the information being reported is accurate. I will be taking legal action from this point PER violation. I will reach out to the XXXX and Florida Attorney General Office concerning this matter. 

I demand this account be deleted immediately!
Product: Debt collection

I disputed that I owed the debt that XXXX claims I owe, and they acknowledged it and said that they would stop contacting me until they provided me with verification of the owed debt. A few days later, they continued collections actions. They also continued to email me despite the fact I requested that they send me only physical mail.
Product: Student loan

Fedloan servicing automatically processes any overpayment into a pre-payment bucket that reduces the next month ( s ) payment. This ensures the consumer receives no principal reduction or any benefit whatsoever from making larger monthly payments to reduce the time and interest expense. Also, the only remedy they offer is to remove the pre-payment option. However, you may find that they reinstitute it a year or 2 later because the removal was not 'permanent '.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. TransUnion and XXXX continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, XXXX continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX  companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.
Product: Student loan

I received a call from XXXX. I answered and they asked for my name and SSN. I asked what they were calling about and they said it's related to my student loans through FedLoan but they couldn't tell me why they were calling for my 'security ' until I verified my information and including my SSN. I only gave them my last 4 of my SSN because they said they were calling from American Education Services, so I thought that was safe enough since they were calling related to my federal student loans. They let me know that my funds were being transferred to another servicer and that I can set up my auto payments once they are fully transferred ( all accurate ). However, I was thrown off by not getting a call from an XXXX number and even tried to call the XXXX number back and there is no dial tone, so I am worried that I made a mistake in giving them even my last 4 of SSN. No amounts of money have been taken from my accounts yet and I have frozen my credit and cards.
Product: Debt collection

I contacted Revenue Assurance Professional via phone to resolve the matter of the debt, I asked the agent could they take a settlement amount that was less the amount I owed and she stated that their client dont settle they only accept the full amount or either partial payments or monthly installments until amount is settled in full. I specifically told the agent that I can NOT make any arrangements or commit to anything and I would contact them at another time. Nevertheless, I recieved a letter in the mail stating that I made a promise to pay XXXX on XX/XX/2018. That is false information Ive never agreed to pay any amount to them, they are providing false information and violating my rights as a consumer