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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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: Mortgage

My mortgage company, NewRez, LLC. charged me a fee of {$5000.00} for a Forbearance Plan ( XXXX, XXXX & XX/XX/2020 ). The said fee is described as " Interest Per Diem From XX/XX/2020 To XX/XX/2020, 121 Days@XXXX '' on the closing statement. This is extremely excessive and unbearable.
Product: Mortgage

On XXXX XXXX, XXXX, I received a letter from Citimortgage stating that they would no longer be servicing my mortgage, effective XXXX XXXX, XXXX. The letter is dated XXXX XXXX. I am aware that banks are entitled to change mortgage servicer, however I thought they were supposed to give 30 days notice.
Product: Student loan

I initially submitted a request to MOHELA on XX/XX/2023 to switch my IDR plan to the new SAVE plan. They denied my first request for no apparent reason, saying that I was ineligible for the SAVE plan. 

I submitted a second request, which was also denied, saying that my payment amount would be higher after the switch, which was not the case. 

I submitted a third request, which was ultimately approved, but the payment amount applied on my account was substantially higher than what the calculated payment was supposed to be. I contacted MOHELA and asked them why the payment amount was so different, and the individuals I spoke to " had no idea where that payment amount came from '' and submitted it to be reviewed and reprocessed yet again. 

While this was being investigated, I decided to consolidate my loans to take advantage of the limited-time IDR Waiver program in effect currently. As part of this consolidation effort, the application asked me which plan I would like to be on, to which I responded that I would like to be on the SAVE plan. 

Apparently, MOHELA tried to process the IDR plan request that traveled along with the consolidation request before the consolidation actually occurred, resulting in them denying the request yet again since I " had no eligible loans. '' Based on discussion with MOHELA, this " should never have happened. '' I contacted them another time this week ( on XX/XX/XXXX ) and they said they would have to reprocess the IDR plan request, which may take up to 35 days at this point due to volume. 

This whole process has been a nightmare and reeks of incompetence. The fact that it's been over 2 months and they have yet to successfully and accurately process a single SAVE plan request I've submitted is unbelievable. Now I'm being told I have to get in the back of the line yet again, which is going to negatively impact my pursuit of PSLF and getting qualifying payments if they have to put my account on a " processing forbearance '' while they learn how to manage the SAVE plan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against TransUnion for Negative Credit Scoring Patterns Dear CFPB, I am writing to formally file a complaint against TransUnion regarding a concerning pattern of negative credit scoring that I believe is unjust and detrimental to my financial stability. 

Over the past few months, I have experienced extreme fluctuations in my credit score with no clear justification. Below are the recent scores and corresponding changes : - **XXXX XXXX XXXX XXXX XXXX ( an increase of XXXX points ) - **XXXX XXXX XXXX XXXX XXXX  ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX : XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( a drop of XXXX points ) Prior to this, I also experienced the following significant drops : - **XXXX XXXX XXXX XXXX XXXX ( a drop of XXXX points ) - **XXXX XXXX XXXX  : XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( a drop of XXXX points ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX : XXXX ( no change ) # # # Key Observations : 1. **Dramatic Fluctuations** : The scores reflect drastic changes that seem inconsistent with my credit behavior. The drop from XXXX to XXXX was particularly alarming and unexplained. 
After the low score in late XXXX, resulting in a score of XXXX in XXXX. However, the earlier drop severely impacted my financial opportunities. **Lack of Clarity** : Despite my efforts to maintain a responsible credit profile, the frequent and severe fluctuations remain unexplained. 

I have reached out to TransUnion to resolve these discrepancies, but my inquiries have gone largely unanswered. The negative credit scoring pattern has hindered my ability to secure loans and affected my overall financial health. 

I respectfully request that the CFPB investigate this matter to ensure that TransUnion is held accountable for its practices and that consumers like myself are protected from such unjust credit reporting. 

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

Sincerely,
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for their failure to correct inaccurate information on my credit report, despite my previous efforts to resolve the issue directly with them. This inaccuracy involves a closed account that was fully paid ; however, TransUnion continues to report this account as charged-off. This erroneous reporting has resulted in significant harm to my credit profile and has led to multiple credit denials, negatively affecting my financial well-being. 

I sent a dispute letter to TransUnion on XX/XX/year>. I mailed the letter using the XXXX certified mail delivery and return receipt. TransUnion furnished investigation results stating that their investigation towards my dispute was complete. TransUnion stated that the account in question with the was verified and all the reporting information was correct. I tried reaching out to TransUnion via phone but the automated system was of no help. I have applied for a credit card with a company and was denied to the inaccurate information that is being reported by TransUnion on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( 15 U.S.C. 1681i ), credit bureaus are obligated to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information on a consumers credit report. I have submitted a formal dispute to TransUnion regarding the status of this account, providing all necessary documentation to demonstrate that the account was fully paid and closed. Despite this, TransUnion has failed to correct the reporting and continues to maintain that the inaccurate charge-off status is valid. This conduct is in direct violation of the FCRA 's requirements for accurate and fair credit reporting. 

This failure to investigate and correct the disputed information has not only caused me emotional distress and inconvenience but also tangible financial harm due to credit denials. Therefore, I am requesting that the CFPB intervene in this matter and conduct a formal investigation into TransUnion 's handling of my dispute. I believe that TransUnion should be held accountable for this violation and should be required to correct the information immediately. 

Additionally, I am requesting that TransUnion be held liable for punitive damages under Section 1681n of the FCRA ( 15 U.S.C. 1681n ), as their conduct in this matter demonstrates a willful disregard for the accuracy of my credit report and the standards mandated by the FCRA.I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

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

Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. 

The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus
. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF XXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Florida XXXX XXXX account # XXXX I paid all of my bills on time, the car was current at the time I voluntarily returned it. Ireturned the vehicle in excellent conditionand was told that if I returned it it would not be placed in collections. I had a total remaining balance at the time of voluntary surrender of vehicle of {$2300.00}. The report says that I owe a balance of {$6200.00}, that is inaccurate and I was assured the the balance would be forgiven as long as the car vehicle was returned in good condition. The company violated the terms of our agreement for returning the car by reporting to a credit bureau. They sold the car within 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual credit reports. I received an error message that the annualcreditreport website crashed and couldnt review my report. I followed their instructions to contact them and request my reports again. They sent a letter stating that I had already received the reports. I recontacted them and explained the situation and they apologized and asked me to request the reports again. Again, I received a notice that I was not eligible until 12 months passed.
Product: Debt collection

I have a Shop Your Way Mastercard with Citi that I got through Sears a few years ago. I was a couple of days late with the payment last month. I started getting calls from Citi everyday all day long. The last time they called was on XX/XX/2021. A rep called saying she was from citi and said I had a past due amount over {$300.00} and needed to pay it immediately. I told her she was wrong and she continued to argue with me. I informed her I had been on a Forebearance previous to her calling and I had made the XXXX payment. After several minutes she acknowledged I was correct. When I told her to check her system she then admitted that I was not overdue {$300.00} dollars and I was only a couple days late with the XXXX payment. She then said she was saying I owed more because she was including XXXX 's payment which wasn't even due yet. I asked her if she could do something about the interest rate being so high and she told me I had to make a payment before I could even talk to someone about that. I then emailed Citi on XX/XX/XXXX, letting them know that they had violated the FDCPA by calling me so much, on Sundays, and so forth. I also asked bout the interest rate again. I received an email back saying they had updated my privacy policies and they do not respond to online requests for rate adjustments. They then sent me a letter saying they weren't going to call me anymore about the debt however, then they started sending letters shortly after. Citi has violated FDCRA sections 805 ( 1 ), 806 ( 5 ), 807 ( A ), and 808 ( 8 ). I have been in contact with citi prior to these incidents and have notified them both verbally and in writing to not contact me outside of normal hours/times/days for debt collection. I have had to go on forbearance with them 2 already due to covid and unemployment issues. Citi has repeatedly violated FDCPA and blatantly refused to address any of these or interest rate issues.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 and transparency is unacceptable and raises serious concerns
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B to require the elimination of any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed contain inaccuracies in reporting, such as incorrect amounts and dates.
Product: Credit card or prepaid card

On XX/XX/XXXX, Chase closed my credit card accounts unexpectedly. I tried to use the cards for ordinary purchases that day and the next, without success. I soon received a letter stating that my cards were closed for 2 reasons : sudden increase in spending, and accounts not used as intended. Reason number 1 is no less than fraudulent- I have been a Chase cardholder for almost 10 years with perfect payment history. I have used the card fro large auto repairs, remodels, and vacations. My recent spending has been no different. The second reason is unfairly vague. In speaking with customer service, the representative rudely and vaguely stated that the Bank " frowns on '' the use of my credit line for Authorized users in credit repair business activities. He could not tell me that my activity was against my cardholder agreement, but stated that by his review, the accounts would remain closed. The explanation provided by the letter is unfairly vague and his decision referred to no literal infraction of our agreement. I feel that the account closures are unlawful. I have been an exemplary customer and I have an 800+ credit rating. The Bank 's actions do me harm in closing 2 of my lengthiest credit lines in my credit profile. I will be seeking legal advice regarding recourse for damages and credit lost.
Product: Debt collection

I received a bill from XXXX XXXX XXXX XXXX regarding a past due balance on XX/XX/2019. I immediately contacted customer care and was assured it was a billing error and to disregard and it will take one billing cycle to balance to XXXX. Weeks followed and I began receiving harassing phone calls from individuals whom I could barely understand. I finally figured out it was a collection agency and asked to not be called again ; any further communication should be in writing to the address for the alleged balance. On XX/XX/2019, I obtained the services of a consumer protection advocacy firm to represent my interests against the erroneous bill from XXXX XXXX XXXX. On XX/XX/2019, without a response from XXXX XXXX XXXX, I moved froward with arbitration. 

Since that date, I have contacted the collection agency ( XXXX XXXX XXXX ), the firm representing XXXX XXXX XXXX ( XXXX XXXX, GA ), as well as the agency I hired ( XXXX ). To date, I have been turned over to FOUR collection agencies and now, XX/XX/2019, discover that my {$73.00} alleged debt has been placed on my credit report, causing a significant drop in score as a derogatory mark. 

I have been very proactive in resolving this, however, XXXX XXXX, the paralegal assigned by XXXX XXXX XXXX 's ( XXXX-XXXX ) firm has been negligent to communicate, and I received a bill from XXXX XXXX XXXX XXXX regarding a past due balance on XX/XX/2019. I immediately contacted customer care and was assured it was a billing error and to disregard and it will take one billing cycle to balance to XXXX. Weeks followed and I began receiving harassing phone calls from individuals whom I could barely understand. I finally figured out it was a collection agency and asked to not be called again ; any further communication should be in writing to the address for the alleged balance. On XX/XX/2019, I obtained the services of a consumer protection advocacy firm to represent my interests against the erroneous bill from XXXX XXXX XXXX. On XX/XX/2019, without a response from XXXX XXXX XXXX, I moved froward with arbitration. 

Since that date, I have contacted the collection agency, the firm XXXX XXXX XXXX XXXX ( XXXX XXXX, GA ), as well as the agency I hired. To date, I have been turned over to FOUR collection agencies and now, XX/XX/2019, discover that my {$73.00} alleged debt has been placed on my credit report, causing a significant drop in score. 

I have been very proactive in resolving this, however, XXXX XXXX, the paralegal assigned by XXXX XXXX XXXX 's ( XXXX-XXXX ) has been negligent in her duties to communicate, and currently no longer with the firm. Enough is enough.no longer with the firm. Enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %
Product: Credit card or prepaid card

This is the second time this has happened with this particular credit card, Avant. The first time, I happened to look at my statement and saw charges from a fitness club I did not make or have no knowledge of the fitness club. When I look up the fitness club on XXXX it shows all of the fraud done, by XXXX XXXX XXXX, to other people on their credit cards and the complaints they've made. The name of the fitness club is XXXX XXXX XXXX So, I called and reported the fraud and was issued a new card. I paid off the balance of my charges. The card was at {$0.00} as of XX/XX/2022. I receive an email today, with a new statement, and when I looked at the statement the same charges from XXXX XXXX XXXX were there again, giving me a new balance. I immediately called to report the fraud and requested my account be closed. I spoke with the fraud department and also customer service and was told the call was recorded. Please investigate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Finacial Protective 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and this information has not been suppressed or removed from my credit report. My disputes have been ignored by Equifax for the past two years with no letters of acknowledgement, reporting inaccurate information, out of date information and so on. They are the only credit bureau that has not completed a dispute request or proper investigation whereas inaccurate information and Identity theft accounts have been removed from XXXX and XXXX for years. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove disputed information. Since it has been over two years disputing the same inaccurate information I demand these accounts be removed expeditiously or i'll be forced to file litigation due to the unsurmountable stress and disruption this injustice has caused me. My information was also impacted by the Equifax data breach and i'm sure it has gotten in the wrong hands due to this ongoing issue with someone using my information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted XXXX credit bureau XXXX transunion credit bureau and XXXX XXXX credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.