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

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX located in XXXX FL XXXX, the apartment complex I lived at during 2019 sent a carpet cleaning bill for {$310.00} to collections without contacting me directly about this alleged debt. This entity provided no written or electronic notice, did not provide any sort of post move out-inspection document, and did not attempt to contact me directly in regard to this matter. I Found this amount of money to be absurd for carpet cleaning. A simple XXXX search for " carpet cleaing '' comes with multiple results for {$120.00} for a 3 bedroom property. Keep in mind my apartment was a one bed, one bath apartment with around 800 sq ft of living area. Fair Collections and Outsourcing placed me on collections and damaged my credit. I disputed this debt with all the credit reporting bureau 's and successfully within 30 days of receiving a written notice and had this negative information deleted from my file on XXXX  and XXXX. XXXX, however has contacted FCO directly and is unable to determine the validity of this debt, therefore it was remained on my credit report for over one full calendar year. 

Additionally, I would also like to point out the incompetence, irresponsible management, and unresponsive administration by XXXX which has snowballed into a series of problems directly damaging my credit.
Product: Mortgage

I was Denied a {$400000.00} VA Mortgage Application with Veterans United Home Loans Application # XXXX and Loan # XXXX on XX/XX/2021 within 2 days of application. Reasons for denial provided " via voicemail '' were that XXXX & XXXX XXXX Income were not sufficient income alone for approving the loan regardless of VA Certificate of Eligibility, 810 ( 3 ) Bureau Beacon Score and {$120000.00} of cash down payment. I guess I should have known better to apply for a VA Home Loan without a Job but I have an email inbox FULL of Negative Job Hiring Decisions from Government & Private Employment Applications. So, I tried anyway. They also said " when your situation changes, please give us a call ''. Now, I have a " lower Beacon Score '' because of the big " inquiry '' on my credit report. Why couldn't they " pre-qualify '' me without an inquiry? I thought that was one of my rights with a VA Loan. How many other VA Lenders should I try? I will have to get a job 1st I guess which is easier said than done.
Product: Debt collection

Subject : Formal Dispute of Alleged XXXX Account Reporting Dear Experian XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the reporting of an alleged XXXX account # XXXX on my credit report, as I believe it is being reported without my permission or authorization. Pursuant to 15 U.S. Code 1681c-2, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that only accurate and legally verified information is included in my credit file. 

I have not authorized XXXX or any related entity to open or report this account on my credit profile. Therefore, I request : 1. Verification of the account, my wet signature, my bank statement in my name stating I XXXX XXXX XXXX XXXX was the person that was paying for this alleged account in my name. Including documentation proving my consent to open and/or report this account to the credit bureaus. 


2. Immediate removal of this account from my credit report if such documentation can not be provided. 


I expect this dispute to be handled promptly and within the 30-day timeframe required under the FCRA. 

Please provide a written response detailing the investigation results and any actions taken regarding this dispute. If the account is not removed or verified, I reserve the right to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

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

Sincerely, XXXX XXXX XXXX XXXX Let me know if you'd like assistance with any modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. There are multiple accounts showing the same account numbers.
Product: Credit card or prepaid card

After XXXX complaints to the CFPB DiscoverXXXX has failed to issue credits or explain why my savings account card was billed XXXX after providing permanent credits
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a formal dispute letter to Experian via XXXX certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into accounts with inaccuracies on my credit report, a bankruptcy that is reporting with discrepancies, and unauthorized inquiries that I did not approve. 
To verify my identity, I made sure to include the following documents with my dispute letter : A copy of my government-issued ID, A copy of my Social Security card, Proof of my current address. 
Despite providing all necessary documents required by law to verify my identity, Experian refused to conduct the investigation. On XX/XX/2024, I received XXXX separate emails from Experian. One of the emails requested that I resend the very same documents I had already provided in my original dispute letter ( ID, Social Security card, and proof of address ). Additionally, I received another email from Experian, where they refused to conduct the investigation, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item of information in their file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experians refusal to investigate my dispute, despite having received the required documentation, is a violation of my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again the criminally negligent XXXX at one of the awful credit reporting bureaus have damaged my credit with false information! I 'm sick and tired of these high school drop outs attempting to destroy my credit! As CFPB must know by now I have filed complaint after complaint against these incompetent XXXX for continuously posting false collections, accounts and a variety of other misinformation on my credit report. Just about one hundred percent of the time after I submit my complaint they remove the lies they put on my report. Now Equifax has a new trick, they dropped my score by XXXX points for no reason at all! All my information was the same from just a week earlier. This financial libel they 're committing against me is a crime and has got to stop! I have worked hard to rebuild my credit and it 's not right for these XXXX to play with my credit wellness.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for improper use of credit report. In accordance with the Fair Credit Reporting ACT : these credit reporting agencies Equifax and XXXX has violated my rights. According to USC-15 1681a ( 2 ) ( 1 ) under exclusions - this is illegal and they may not treat a payment late for any purpose ie. document PAYMENTS as late creditors can't make THIS claim. Also 15-USC-1681 Sec- 602 states " I have a right to privacy '' and 15-USC 1681 sec 604a ( 3 ) - a consumer reporting agency can't furnish a consumer report to a user unless there is a permissible purpose and my written instruction. To to do is in direct violation with 15-USC 1681 SEC.604 ( f ). Prohibits any person from obtaining a consumer report from a consumer. These accounts are in direct correlation with the aforementioned FCRA codes that have been violated. This has happened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

*I attempted to open a CD online with Marcus by Goldman Sachs . 
*Their computer system failed and I had to complete opening the account with a representative. 
* I was told that their tech team will look into why their system was failing and that I MAY have online access in about a month. 
* I received hard copy forms to complete in the mail about a week later including the backup withholding statement. 
* The forms were mailed back the in the Marcus provided envelope the next day XX/XX/XXXX. 
* On XXXX I receive a statement on the account in the mail that showed a withdrawal for backup withholding. 
* I am told that yes backup withholding as they do not have the backup withholding statement that that was mailed over a week ago. 
* I offered to complete another form or send a copy if they would like to send overnight mailing instructions. 
* I was told that they do not do overnight for their customers etc., that someone from customer care would call me 1 to 2 days and by the way in another 10 days the backup withholding becomes non reversible. 

So I have spent 4 hours on my time trying to open and correctly post my {$250000.00} CD. Their computer system has failed, there is no urgency for them to fix it, the backup withholding form has had plenty of time to get to their OFFICE but someone would need to be working in the OFFICE to open the mail. They set a deadline for non reversal of the backup withholding and do nothing to accommodate the customer to offset their computer and administrative failures.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because it was reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$570.00} originally, have been making weekly payments of {$86.00} for 7 months, but my payoff is over {$600.00}. That is not the process that was explained to me very briefly and in extremely broken english.
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXXXXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Product: Consumer Loan

I obtained a loan from Springleaf Financial 's ( now OneMain ) branch in XXXX, Pennsylvania. At the time the loan was made, I provided the lender with a routing number and checking account number from which to withdraw the monthly payment. 

I recently changed banks. Well before XX/XX/XXXX 's scheduled withdrawal, I logged into OneMain 's website and submitted a new routine number and account number corresponding to the new checking account. I have since logged back into the website to verify that the new account information ( XXXX ) is displayed as the payment account. 

Nevertheless, OneMain has made 2 attempts in XXXX to withdraw the payments from the old account at XXXX. XXXX refused to honor both drafts, and charged me {$35.00} for each dishonored draft. 

Calls to both the OneMain branch and web support center did not provide an explanation for the unauthorized drafts against the old account.
Product: Credit card or prepaid card

In XX/XX/2020, my account balance was {$0.00}. I responded to an ad for a balance transfer with 0 % interest and 3 % balance transfer fee. I transfered {$5000.00}. When my recent statement came ( XX/XX/20 ), I was charged a {$150.00} balance transfer fee AND {$73.00} interest ( see attached image ). I phoned the credit card company and they agreed that there was a problem. Somehow, even though I responded to a 0 % interest balance transfer fee offer and used the balance transfer mechanism on their website, I'm nonetheless being wrongfully charged interest and the balance transfer is not registered as a balance transfer on my account. 

A case was opened on XX/XX/20 and I was told it would be resolved in 1-2 business days during the regular business week. However, today it's XX/XX/20 and there is no activity ad progress on my case. Meanwhile, the account is accruing DAILY INTEREST! 

I've been on hold for more than 60 minutes with the bank and no one is coming on the line to resolve this issue. The case # is : XXXX. The representative who opeend the case was XXXX XXXX. 

I want the daily interest to be refunded IMMEDIATELY and the  proper deal applied to my account. I have a screenshot of the deal that I will send or upload on request. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dob : XX/XX/year> SS # To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that these accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX XXXX  Reported Balance {$9200.00} XXXX XXXX XXXXccount Number XXXX XXXX Reported Balance {$16000.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these accounts are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated XXXX Compliance procedures and format for reporting! 
Delete thesw accounts from my consumer reports.
Product: Student loan

Calling while at work every 2 hours, unwilling to work with me requiring amounts of money that I can not come up with ... wants me to st up automatic payments which I do not feel comfretbale with the XXXX co signers
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable \investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as inaccurate : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.
Product: Mortgage

I sent an escrow payment to Nation star Mortgage in XX/XX/XXXX, certified mail to the escrow dept. They applied it to my mortgage payment instead which had already been paid.I had to call Corporate to get it reverse. I call Nation star mortgage on XXXX XXXX and spoke to XXXX in the Arizona office and she told me that my account is one month past due, which I disagreed with her. She went back to XX/XX/XXXX and told me there wasn't a payment made. I explained to her about the error they made with my escrow. Then she told me there wasn't a payment made it XX/XX/XXXX. I have an email from them thanking for my XX/XX/XXXX payment. The escrow check was for XXXX and it reach their dept. on XX/XX/XXXX. My mortgage payment was made on XX/XX/XXXX.
Product: Bank account or service

I purchased gas on XX/XX/2016 from a XXXX XXXX XXXX in XXXX Tx. I paid {$30.00} at the pump. BBVA Compass Bank deducts the amount from your account as soon as you make a purchase, even if the company you are purchasing from gets their money right then or not. Today, XXXX XXXX 2016, they deducted the same amount AGAIN for that purchase. I called the bank and ask why did Compass Bank deduct the same {$30.00} from my account, I was told they only deduct one, but when you use your check card to make a purchase, they deduct the amount right then with the remaining balance above showing what you have just spent, even if the company gets their money right then or not, Compass Bank will show they have all ready deducted that purchase. XXXX XXXX, 2016, I checked my account that evening and there was nothing pending. I had a balance of {$20.00} in my checking account, so I online transferred {$50.00} from my savings to my checking giving me a balance of {$70.00} with nothing pending or in process. I called the bank when I seen this on my statement. I was told to show them XXXX of the same purchases. How can I do that when Compass Bank erases the first one and only showing you the one they want to. I just gave Compass Bank {$30.00} of my hard earned money. this is not the first time I have called Compass Bank about the same thing. They do n't do it back to back, they wait a few months in between to do this. I have a family to raise, and I watch every penny. I check my on-line statement everyday and will call when i see something wrong.
Product: Credit card or prepaid card

I booked a holiday vacation using a Barclays credit card, at XXXX XXXX in XXXX XXXX from XXXX, through a third party ( XXXX ). Upon returning home I received a fraudulent charge on my credit card for {$1000.00}! I disputed the charge on my credit card and also called XXXX XXXX XXXX. They told me it was for a damaged mattress and linens! I have no clue what they are talking about!! They sent me no proof, such as time dated pictures, or any photos. I have concluded that they have the wrong room number and want to stick some old lady with charges. It is disappointing that my credit card company did not properly investigate charges and is holding me responsible. Next time I travel I will take photos of my room before exiting.
Product: Checking or savings account

On XX/XX/XXXX someone deposited a fraud check into my account with the amount Of XXXX the next two days after that they cashed it out of my account I never got a notification about this I tried to use my debit card and it got declined I look into my online bank statement and it was at XXXX they took all the money I had on my account to pay for this fraud that I did not do My job deposited my check into this account and they also took my money XXXX that I still can not touch and my claim has now been denied
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX