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

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Product: Vehicle loan or lease

I have an auto loan through USAA. I made an additional payment on the loan outside of the regular monthly payment. Their app automatically triggers the additional payment to allocate between principal and interest on the loan. I tried to fix the payment so it was all applied to principal and it does not allow you to fix the payment. I tried to get them to correct through their chat function and could not. I left them a call back number and am waiting for a response. The app should automatically allocate additional payments to principal. I would like my payment applied to all principal. I feel like this is not a fair feature in their app to the consumer. The default for making an extra payment, should automatically be allocated to principal. The app makes you select principal only ... this should be the default. This occurred X/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$3400.00}, {$1000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Product: Credit card or prepaid card

I returned an Item to XXXX. XXXX  was to send a shipping label. They stalled and it was getting close to the end of the return period of XX/XX/XXXX. I shipped the item by XXXX on XXXX. On XX/XX/XXXX, XXXX sent the XXXX shipping label. I re-called the item from XXXX and then re-shipped the item by XXXX on XX/XX/XXXX. XXXX charged a {$9.00} fee. I filed a dispute with XXXX, but they have not responded. Therefore, I filed the dispute with Capital One. 

The letter dated XX/XX/XXXX from Capital One says to mail the information in the pre-addressed envelope by XX/XX/XXXX. XXXX and allow 15 days to respond. There was no pre-addressed envelope. Capital One sent that XX/XX/XXXX letter via their secure mail system. I mailed all documents pertinent to the dispute to Capital One, XXXX XXXX XXXX, XXXX XXXX, Utah, XXXX on XX/XX/XXXX. Capital One sent a letter on XX/XX/XXXX saying they did not receive the documents and reversed the credit. I dispute that. I faxed the documents this morning at XXXX XXXX.
Product: Mortgage

Wells Fargo without any form of notice and after refusing to discuss alternative solutions has my home for sale on XXXX/XXXX/2015. I have applied for a modification and submitted all request documents and have not been contacted by them. My title work from the date of purchase does not indicate that Wells Fargo has any ownership right to my property and I have sent them a Qualified Written Request ( QWR ). Wells Fargo has refused to tell me who the attorney is handling the upcoming sale of my property nor have they informed the other owner of the property, this party is on title but not on the debt.
Product: Credit card or prepaid card

I was told by XXXX that all my accounts including my credit card accounts would be transferred to Citizens Bank by XXXX XXXX. 

I have already made a complaint against Citizens about another issue. It seems that Citizens takes liberties they are not entitled to so they can charge extra interest, among other things. In this new example, it seems that Citizens Bank changes the date that a payment is due. I did not get any alerts about this nor did I receive any statement. 
For the month of XXXX I was under the impression that a payment was due on XX/XX/XXXX. The previous month I made my payment on XX/XX/XXXX, and had no penalties imposed on me. 
For the month of XXXX I made my payment on XX/XX/XXXX since the XXXX was on a Sunday. I did speak to a Citizens customer service agent on XX/XX/XXXX who told me I may be charged a late fee but once the account is updated I should call Citizens and they would reverse the late fee. 
Today I was reading my new statement dated XX/XX/XXXX and I did not notice a late fee but instead I noticed that I was charged more interest for the month, then for the previous month, over {$25.00}. I called Citizens and was told they could do nothing about it. 
In other words while there was no late fee on my statement, Citizens charged me more interest. The customer service agent claimed that my payment was not processed until XX/XX/XXXX and therefore I was charged interest. When I asked why I wasnt charged a late fee he had no answer. 
I am attaching two statements from Citizens, one for XXXX, XXXX ; the other for XXXX, XXXX and there are no late payments indicated but notice my interest payment has increased. 
Please tell Citizens to reverse this extra interest charge. On XX/XX/XXXX, my interest charge was {$170.00}, but for XXXX, it was XXXX. 
This is no way to do business.
Product: Credit card or prepaid card

On XX/XX/2019 I applied for the paypal rewards mastercard issued by Synchrony bank. They did a hard pull on my XXXX credit report. I received a message stating to call them which I did. The customer service representative only asked me my phone number and then told me I had to wait 7-10 days ( which was fine ). On XX/XX/XXXX, I received another email from them stating I was declined because they could not verify my identity. They did not mention any usage of my XXXX credit report, nor did they do their due diligence of asking me to submit ID verification documents like any other financial institute would do. I sitll have not received the hard letter copy. After reviewing my credit reports, I updated my address and phone number and applied for another synchrony credit card ( WALMART ). Again, same message to call. Again, only asked for phone number. After googling I found out they use your phone number to verify your identity so good luck if you have a new number like me. 
I want them to either remove the hard inquiries from my credit report or let me send in sufficient documentation to verify my identity.
Product: Credit card

I have a credit card account with Bank of America. I don't use that account and keep it as a backup in case of need. My primary credit card account is also with the same bank. I also have several other credit accounts with different financial institutions. 

In XXXX XXXX XXXX I had to use that credit card for a small payment of {$10.00} in a hardware store because my primary card didn't work due to a glitch in the card processing system. 
At the time, I had auto payment set up for all of my credit accounts except those XXXX from Bank of America, because there was a technical issue which prevented me to set it up in the past. 
Because I almost never use the credit card, I completely forgot about it. I've had balance notifications set up but for some reason those for the account went to my spam folder. Because I was very busy, I went out of state and then my entire family got sick for a couple of weeks, I didn't really thought about even visiting my internet banking. 
Later I was notified by a credit bureau that my credit score dropped significantly from around XXXX to under XXXX. I immediately contacted the bank and paid the late payment, which climbed to {$12.00} after adding some late fee and interest rate. This was my first late payment ever.

I admit it was my fault that I didn't pay the payment on time, however the bank is partially to blame : - I was not able to set up the auto payment before the incident. Only after that and after we spend XXXX minutes in the bank trying to set it up, they later called me and helped me to resolve it over the phone. Still the way we did it was not very straightforward.

- They failed to notify me about be late on the payment. When I confronted them with that they said it's not their obligation.

I tried to ask them to do me a favor - as I did over the years when they made mistakes, and because I think I'm their pretty good client with accounts with a big cashflow - and remove that from my credit report after I paid those {$12.00} of debt, but they refused to do so and said it was completely my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website was unclear that a product cost money. I thought it was free so I accidentally signed up for a monthly subscription of {XXXX} to TransUnion today ( XXXX ). I got my subscription cancelled for the future, but I would like the {XXXX} refunded because I was not aware it was a paid service.
Product: Credit reporting or other personal consumer reports

I moved out of California XXXX and had a charge from an apartment complex and a pge and water bill in XXXX from XXXX XXXX apartments in XXXX for over {$49000.00} and it wasnt me. I contacted experienced numerous times to dispute and the didnt.
Product: Debt collection

On XX/XX/XXXX I mailed a certified letter asking for debt validation and to cease and desist any communication other than postal mail. They received the letter on XX/XX/XXXX per the postal service. They called and left a voicemail on XX/XX/XXXX at XXXX. They have violated the cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The past couple years XXXX. I've had disputed improper information reported on my credit report that has not been resolved. Equifax has personal information of mine that can used on the dark web and misused by those with I'll intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and see some violations on an account reporting to all three bureaus, Now, i did submit disputes last week to XXXX and XXXX showing that this account was Verified. According to the FCRA everything has to be 100 % accurate across the 3 Bureaus. The account that I'm referring to is to XXXX XXXX XXXX # XXXX. I'm Disputing the date last active so, like i said everything has to be 100 % correct across the 3 Bureaus and if not its a Violation of the FCRA. Below ill be uploading a picture of the credit report, but its showing 3 different dates as follows for Transunion its showing XX/XX/XXXX for XXXX its showing XX/XX/XXXX and XXXX is showing XX/XX/XXXX. As you can see this account has been re-aged and that's a VIOLATION of the FCRA and need to be REMOVED.
Product: Debt collection

Hi my name is XXXX XXXX I lived in an apartment with XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX we made reports of mold out break in our apartment. They did not seem to fix the problem we also had a leak in our floor so we had mold all over there was a leak in the living room and we complained so they fix it. They took theyre time to fix things that were broken. We had bug infestation and we were getting sick from mold we tried to fix the problem our self so we gave 30 day notice we were leaving. We left XX/XX/2017 I believe and we relocated i checked my credit and I have a debt collection I was not aware of and I did not recognize any written notice about a collection or a phone call or any thing I called to ask what this was about and she said XXXX XXXX I was not notified that I can dispute this collection. They claim there was damage to my apartment and the apartment was fine when we left besides the mold Every where that they decided to do nothing about I even reported this problem to the health department and nothing was done about it. And as far as cleaning fee I did not get any receipts and I did not get my deposit refunded.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXXXXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX .... & XXXX XXXX .....
Product: Mortgage

I have been trying to apply for a modification for over XXXX months. I ran in to some hard times with my job, but things were improving and I wanted to try to modify my mortgage and keep my home. My attorney 's office was helping me with this process and called on a weekly basis to make sure all documents needed were received and to follow the progress of the process. At XXXX point they were told I was all but approved, Seterus was just waiting for the figures of what my trial payments were going to be to come back from XXXX. It turns out the person at Seterus who was handling my file was no longer with the company so my file sat on her desk for a month or more after XXXX approval, so in their system it appeared that I never " accepted '' the modification offer so Seterus had to " resubmit '' my modification file. All of this took over XXXX months, and in the meantime my house was set to go up for foreclosure auction. This was a scary time for me, and I did n't know if I should call movers to get my belongings or wait for Seterus to work my file. The sale date ended up being put off at the last minute, literally the day before my house was supposed to sell. My file has since been resubmitted for modification review and approval. My attorney 's office is trying to get the figures that Seterus is using to see if I would be approved or denied and Seterus ca n't ( or wo n't ) provide that information. I will send in a copy of a letter they submitted to Seterus that will give you more details on how Seterus has failed at properly servicing me as a client. They have taken a process that they said should take XXXX days, and made it take more than XXXX months - and it still is n't resolved. I want to be able to keep my home, and am willing to discuss modification or repayment plans, but any time we call we only get people who are customer service rep types, and not anyone who can actually discuss anything further than reading notes from their system. I would like for myself or my attorney to actually be able to speak with someone who can assist with my account, and helping me get a modification so I can begin repaying my mortgage payments and keep my home. Please help me if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent charges reflecting on my credit report from XXXX - XXXX XXXX XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.
Product: Credit card

XXXX XXXX XXXX {$1200.00} on XX/XX/XXXX contacted the company told them that he was fraudulent activity they told me to contact my credit bureaus to dispute XXXX. XXXX XXXX {$1500.00} XX/XX/XXXX contacted the company told them that these transactions were fraud and not XXXX XXXX XXXXXXXX to reach out to credit bureau to dispute XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX disputed with company no results this was a fraudulent account TD BANK USA/TARGET {$970.00} Opened XX/XX/XXXX this it wasn't a fraudulent account I have no knowledge of this account TD BANK {$950.00} Opened XX/XX/XXXX this is a fraudulent account I have no knowledge of this account was open without my consent contacted the bank filled out a fraudulent report never heard anything back XXXX XXXX {$760.00} Opened XX/XX/XXXX this account was open fraudulently without my knowledge XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX This account was also fraud XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX this account was open probably without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

XXXX by XXXX XXXX listed Transunion as a credit report source, however when speaking to a rep, she told me XXXX by XXXX XXXX does not use human, they use an AI Algorithm. The rep then said they use XXXX XXXX. However this was not disclosed XXXX Fair Credit Reporting Act After speaking to Transunion, they verified no such credit freeze exists. I think I was denied illegally.