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

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with XXXX or Experian either and need to be DELETED IMMEDIATELY. They are as follows : XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX A copy of the XXXX report # XXXX is attached below to show proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled into a credit monitoring subscription without my consent or prior authorization by TransUnion. I did not enroll into any subscription, but while trying to access my credit score was told they needed my Credit Card information to verify my identity. I was subsequently enrolled and charged for a credit monitoring service that I did not request or want. 

I had to contact the company in order to obtain a refund that will take up to 10 days.
Product: Credit card or prepaid card

I emailed XXXX XXXX for a refund due to work improperly done on my car. 


Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Amount resolved in merchant 's favor : {$170.00} XX/XX/2021 : I started a dispute with Goldman Sachs/Apple Card. 
XX/XX/2021 : I responded with evidence that I contacted XXXX XXXX for a refund and attached photo evidence of the improper work. 
XX/XX/2021 : I emailed more evidence to Goldman Sachs/Apple Card. 
XX/XX/2021 : I messaged Goldman Sachs/Apple Card customer support to ask about the status of my dispute, they said it was pending. 
XX/XX/2021 : I'm notified that I lost the dispute because I did not submit evidence. 
XX/XX/2021 : I speak with XXXX, the highest supervisor level at Goldman Sachs/Apple Card customer support. He acknowledges that evidence was indeed received, but does not know why the decision is based-on lack of evidence. The case is re-opened. 

It has been months now. I have followed proper procedure, but Goldman Sachs/Apple Card failed to properly handle my dispute. 

Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Temporary credit : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX Unauthorized Hard inquiries XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I am writing to lodge a formal complaint against Discover Home Loans regarding their misleading practices and lack of transparency during my recent home equity loan application process. 

On XX/XX/scrub>XXXX XXXX XXXX I contacted Discover Home Loans to inquire about obtaining a home equity loan to fund a down payment for an investment property. As the sole owner of my primary residence, I specifically asked if my partner could be included in the loan application without being a co-owner of the property. Loan officer XXXX XXXX assured us that my partners ownership was not required for loan eligibility. 

Relying on this information, we proceeded with the application, diligently submitting all required documents. However, on XX/XX/scrub>XXXX XXXX XXXX, loan processor XXXXXXXX XXXX XXXX XXXXXXXX informed us that my partner would need to be added as a co-owner through a claim deed to qualify for the loan. This new requirement, which had a three-day compliance deadline, was never mentioned at the beginning of the process. 

We explicitly stated from the start that adding my partner as a co-owner was not an option. Our goal was to secure a loan based solely on my ownership. The sudden imposition of this condition, after nearly a month of processing, not only contradicted the initial assurances but also jeopardized our investment plans, as we had already submitted an offer to purchase a property. 

As a result of this last-minute change, our loan application was denied because we did not comply with the unexpected requirement. This led to a considerable waste of time, effort, and the loss of a valuable investment opportunity. 

I find Discover Home Loans ' handling of our application to be unethical and lacking in transparency. Their actions caused unnecessary stress and financial harm. I request that your agency investigate this matter and take appropriate action to ensure that such deceptive practices are addressed and rectified. 

Thank you for your attention to this serious issue. I look forward to your response and any assistance you can provide in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Transunion credit report back in XXXX. I noticed 7 account credit inquiries that I did not authorize. I immediately contacted Transunion by mail to dispute those inquiries and to have my information corrected. Transunion replied saying they would be staying on my report and fall off after 2 years. I proceeded to call them and was told to contact the companies that ran my credit. I did so and I was advised to contact Transunion for removal. I called transunion again this week on Tuesday XX/XX/XXXX and was told I had to contact the companies and that they dont dispute inquiries. I was ignored and then told that the specific overseas agent I spoke to was limited on what he could do. I asked to speak to a supervisor and was transfered to a US agent who stated was a supervisor and that I would just have to wait the two year period for them to fall off. I again told him that I had never authorized those inquiries to which he replied there was nothing he could do and disconnected the call. I proceeded to contact XXXX XXXX the CEO at Transunion by email, informing him that his agents were refusing to submit a dispute or even attempt to help me get this information corrected on Tuesday XX/XX/XXXX, and as of today have not received a response. I have researched and tried different ways to get this corrected and as of today have yet to make any progress. It is disheartening that these credit reporting agencies dictate what they want to report and we as consumers are not able to do a thing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months to get these items removed from my report. My rights were violated many of these accounts are not mine. I have mailed proof and all I receive is that they verified it as accurate. Please send a hard copy of the proof where my signature is shown is what I have asked for and that doesn't happen. 



After reviewing the laws for 12 u.s.c. 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the fair credit reporting act, the below accounts violated my rights. All should be deleted from my account immediately as it is harming me from purchasing my home. There also shouldn't be any late payments as I have been on time with all my accounts. 

XXXX. XXXX XXXX XXXX {$880.00} ... ... ... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$860.00} XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute to bothe XXXX and Experian for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX & XXXX PA for a collect account found on my XXXX and Experian credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XXXX/XXXX/3018. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.
Product: Debt collection

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the associated bank over the phone that the identity theft report was valid and the accounts would be promptly removed. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the apparent violation of the Fair Credit Reporting Act ( FCRA ) regarding unauthorized hard inquiries on my TRANSUNION credit report. Under the FCRA, 15U.S.C. 1681 Section 602 A, I am unequivocally granted the right to privacy, which includes safeguarding my credit information from unwarranted inquiries. Moreover,15 U.S.C. 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions, leaving no room for doubt that these inquiries should not have occurred without my explicit consent. The following unauthorized hard inquiries were made.JXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I insist that the CFPB thoroughly investigate these clear violations and take immediate and definitive action to remove these unauthorized hard inquiries from my TransUnion credit report. Such steps are imperative to uphold the FCRA and protect my fundamental right to privacy. Your swift and decisive intervention in resolving this matter is expected and appreciated. I have also attached documentation to this statement
Product: Money transfer, virtual currency, or money service

XXXX did not from the beginning of its implementation into the banking of JP Morgan Chase did not include proper disclosures to warn that once money was sent it was unable to be returned to the user who sent it regardless of whether it was a mistake or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing this due to non compliance with CRA Experian. They have failed to remove information that has been identified as identity theft. I have attached supporting documents, ie police reports, identity theft reports, and proof of identity all sent certified mail. I spoke with XXXX and XXXX on XX/XX/2020. I strongly believe that they are in violation and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped by 90 points in 30 days. The reason given on my credit report is that I have a delinquent account. This is inaccurate. I have no open accounts that I currently owe any balance.
Product: Checking or savings account

I deposit XXXX dollars in cash on the XX/XX/2019 To cover 2 checks it was at XXXX XXXX I called to ask why they charged me to overdraft fees Pnc Bank told me that after XXXX XXXX  it doesn't count for same day I said my receipt says it was the same day And it was deposit at there location So I want my 2 overdraft fees returned
Product: Mortgage

Franklin American Mortgage is neglecting my account causing me to pay more on my house payment every month for the past 7 months. Franklin American Mortgage made an error about 8 months ago. They pulled money from my escrow to pay my insurance. They sent the check to the wrong insurance company and the check was mailed back to my mortgage company ( this was stated by the first rep I spoke with after calling about my monthly payment increasing ). They never put the money back into my escrow. The Franklin American Mortgage Company then pulled out of my escrow 2 weeks later and paid the correct insurance company. This caused my escrow to have a negative balance ultimately making my house payment go up from {$760.00} to {$900.00} per month. They have admitted to the problem several months ago and I have called numerous times, but they are still making me pay the {$900.00} per month and they have never reimbursed me for the past 7 months overage I paid that has accumulated to over {$1000.00}. In XXXX 2016, I called to check on the status of this and they said it would be resolved by XX/XX/XXXX. The rep stated this was the date the ticket was set to be resolved. I called on XX/XX/XXXX and once again got the " run around ''. I was told to " call back on Friday ''. I was then told in XX/XX/XXXX that it will definitely be resolved by XXXX and it is now XXXX XXXX, 2016. I have seen no check with a reimbursement and my house payment is still {$900.00} instead of what it should be. Every time I call, I get nowhere. I have asked to speak to a manager and was denied. Instead, the rep said she will call her manager and get back to me. I have been patient for 8 months now and I am writing press releases that will be submitted with my honest review of Franklin American Mortgage. I am going to show Franklin what a frustrated XXXX guy can do. Why do I have to suffer financially for a mistake that this company made? I understand if it took 6 weeks or so to resolve, but 8 months? {$140.00} extra each month for the past 8 months adds up. I dont have the full amount to pay for XX/XX/XXXX and that will affect my credit because this company refuses to fix their mistake that they have even admitted to making. I am sure I will get this taken care of now that I submitted on XXXX and after I submit to CFPB. The only reason it will be taken care of is for online reputation protection which always escalates issues. I was so patient with you guys and I understand mistakes happen, but this has gone on way to long without being resolved. I have wasted hours of my time explaining to a new rep every time I have called back. I have even been told the rep would call me back which never happened. I have been told this is negligence and causes financial distress which can lead to pain and suffering. I am at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1100.00}
Product: Credit card

I am requesting your assistance in investigating accounts from companies that are inaccurately reporting late payments. After thoroughly reviewing my credit report, I noticed certain accounts with late payments that are incorrect. There should not be any late payment remarks on these accounts.
Product: Mortgage

This problem actually started in XX/XX/XXXX when I received notice of escrow shortage in the amount of {$3700.00} when they raised my payment amount from {$540.00} to {$700.00}. Then XX/XX/XXXX they sent another escrow shortage notice in the amount of {$2500.00} and raised my payment slightly from {$700.00} to {$700.00}. Then XX/XX/XXXX I received another escrow shortage notice of {$1500.00} and raised my payment from {$700.00} to {$710.00}. Then XX/XX/XXXX I received another escrow shortage notice {$2600.00} and they are raising from {$710.00} to {$880.00}. The notice states exactly this : " Our review shows your escrow account has a shortage of {$2600.00}. Once we pay your upcoming insurance and/or tax payments, your escrow will fall below the required minimum balance. See Section 4 for details. Your monthly mortgage payment is also changing XX/XX/XXXX. Your new payment amount depends on which option below you chose : " Choices are pay the escrow shortage balance {$2600.00} in full by XX/XX/XXXX or monthly payments raises to {$880.00}. I have called repeatedly since XX/XX/XXXX to try to resolve this issue. And in just this last 2 weeks  have left several messages online and on voicemails to have someone contact about this very serious issue. I have asked to cancel the escrow account since I have now been paying directly to the insurance agent the homeowners insurance since XX/XX/XXXX. They still have not contacted me, they still have not closed the escrow account. I sent a certified letter in the mail directly to their office on XX/XX/XXXX requesting them to close my escrow account and provided proof of Homeowners insurance that is paid through XX/XX/XXXX that I paid from my pocket ... not the escrow account. No one at this company returns calls, no one answers when transferred to their customer care line. It says there is a 20 minute wait but it actually hours ... then still no one ever answers. I've sent online messages to have someone contact me from the escrow department many many times and more recently within these last 2 weeks yet no one has ever contacted me. This payment is double what is should be. And they are stating that this escrow shortage is to cover what is going to be paid ... .when really nothing will be paid from the escrow account since I am paying the insurance agency directly. Please help me.
Product: Debt collection

Dear CFPB Representative, I am writing to formally dispute and request immediate action regarding Portfolio Recovery Associates continued and unlawful reporting of debt on my credit report. Despite my previous disputes and requests for validation, this collection agency continues to report and/or reinsert derogatory information on my credit file, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Nature of the Dispute : Unauthorized Reporting : The collection agency has continued to furnish negative information regarding [ Account Number or Reference ] without providing proper validation of the debt. 
Reinsertion of Previously Removed Items : If applicable, explain that the agency has reinserted items that were previously removed without providing the required notice to me as mandated under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 
Harassment and Unfair Practices : The collection agency has engaged in unfair collection practices, including repeated reporting of disputed debts and failure to cease collection efforts despite my formal dispute. 

Requested Action : 1. Cease and Desist : I demand that Portfolio recovery associates immediately cease all reporting of this debt to any credit reporting agencies ( XXXX, XXXX, and XXXX ) and stop all collection efforts. 
2. Investigation & Removal : I request that CFPB investigate this matter and instruct the collection agency to remove this disputed debt from my credit report unless they can provide adequate and legally required documentation proving the validity of the debt. 
3. Compliance with Federal Laws : Ensure that the collection agency is adhering to all applicable federal regulations, including FDCPA and FCRA, and take enforcement action if necessary. 

I have attached a previous letter from portfolio recovery associates stating that the account in question will be deleted from all credit bureaus and as of today they put the same collection account back on my credit report which is unlawful Failure to address this matter promptly may result in legal action against the collection agency for violations of my consumer rights. I expect a written response from CFPB acknowledging this complaint and detailing the steps being taken to resolve this issue. 

Please feel free to contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send an accuracy investigation letter to all 3 credit bureaus last month for an account that shows up on my credit report for XXXX Account # : XXXX XXXX  quickly deleted this account as they can not validate this debt. the other 2 bureaus have left it on..I have done research and if it is deleted by one it should be deleted by all 3 bureaus as they should communicate this information amongst each other ... ..If XXXX  could not validate this debt and removed it the other 2 bureaus can not either and this needs to be deleted by transunion and XXXX immediately.
Product: Checking or savings account

Us bank that I bank with for business account and personal was recently open on XX/XX/XXXX of 2025, and now my account is beginning to close for I don't kno for what reason and it wasn't even bo fraud activities of any kind upon my accounts nor identity theft. My accounts was just find they can see all my transactions and activities on my account. I stay in Georgia and us bank is in another state but does accept Georgia residents because if they didn't Us bank wouldn't have processed my account opening for a business account or personal savings like I have with them. I tried to get a reason why they are closing my accounts but I haven't gotten any reason why from the verification department at Us bank! and I think this is a mistake on their end and need this too be handled. I know banks don't have to give you a reason by phone only if the notes states otherwise upon a reason why a hold was placed on account or a letter will be sent out explaining why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue with Trans Union, The reporting account was properly varified by the original creditor as belonging to someone else. The person has a similar name. I have never been married nor had any other last nam. Trans Union had well over the time allowed of 30 days and refuse to acknowledge this issue. According to the FCRA, the inaccurate information must be removed. And as of today, Trans Union has ignored my rights to fair reporting.