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

I have been trying to access my TransUnion credit report online for over a week via their website. However, I keep receiving an error message stating : " Temporarily unable to complete your request. We appreciate your patience while we resolve this temporary issue. '' I have attempted to access my report multiple times and waited for the issue to be fixed, but TransUnion has not resolved the problem. 

I am legally entitled to a free weekly credit report under the Fair Credit Reporting Act ( FCRA ), and TransUnion is failing to provide access. I have no credit freeze, fraud alert, or identity verification issues that would prevent me from retrieving my report. 

I have also tried : Contacting TransUnion customer service at XXXX, but I have not received a solution. 
Attempting to retrieve my report via XXXX, which redirects me to TransUnions website, where I continue to face the same issue.

Potential FCRA Violations : FCRA 612 ( a ) : Consumers are entitled to a free credit report upon request.

FCRA 611 ( a ) ( 1 ) : Credit bureaus must conduct a reasonable investigation and provide access to requested information.

TransUnion is wrongfully denying access to my credit report. I am requesting that the CFPB : Require TransUnion to grant me immediate access to my credit report.

Investigate why TransUnion has been blocking consumer access to reports for an extended period.

Ensure TransUnion complies with the FCRA and does not continue preventing consumers from retrieving their legally entitled reports.

If TransUnion does not resolve this, I will escalate my complaint to the Federal Trade Commission ( FTC ) and my state Attorney General 's office for further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have submitted an investigation before but capital one keep reporting my account as charged off and I have settled that balance in XXXX. They have updated the balance but they keep reporting the card charged off even though it is settled.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I, XXXX XXXX XXXX, entered into a consumer credit transaction with NFM Lending on XX/XX/2020 in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but NFM Lending accepted cash. The finance charge is suppose to include insurance, but NFM Lending made me pay for insurance separately. 

NFM Lending went on to send XXXX XXXX XXXX multiple postcards in regards to buying insurance from an NFM affiliated company, which is in violation of 15 USC 1692 ( b ) ( 4 ) ( See exhibit B and C ). NFM went on to break numerous more violations in respect to 15 USC 1692 and has not responded to the affidavit of truth, cease and desist, and debt validation letter that was sent to them via certified mail ( Please see attachments ). 

NFM Inc is continually sending me debt collection letters and furnishing false information to consumer reporting agencies, which is in violation of 15 USC 1692 ( J ) ( a ).
Product: Credit reporting or other personal consumer reports

I demand immediate removal of this dispute item from my credit report. Furthermore I expect to receive an update credit report reflecting this removal within 30 days of the items removal. I trust that you will promptly address this matter in accordance with the law. Your cooperation resolving this issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sold an item on the app Mercari. They had sent me multiple emails that they do not have selling fees. I even received an email today stating that they do not have seller fees.

My item sold, I shipped it out to the purchaser. When checking for my funds, I notice that they helped themselves to {$12.00} in " Selling fees '' after stating they do not charge fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to XXXX to validate and delete XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my credit report that I do not recognize or authorize. I never gave consent for this company to access my credit information, nor have I applied for anything with them. This situation is extremely stressful and leaves me anxious about how and why this occurred.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. Im writing to address a serious concern Ive come across while reviewing my credit report. Ive noticed that certain information reported is not in line with the guidelines set by the Fair Credit Reporting Act ( FCRA ), and its impacting the accuracy of my report.
Product: Credit card or prepaid card

When placing a order then canceling it the credit card company subtract the amount from you available credit, so it sits in pending for four to five business days then finally it just disappears. The vendor never took anything out because the order was canceled but the credit card company did subtract the amount and never puts it back into your available credit and they dont show any type of transaction on it whats so ever it just disappears ( your money ). I keep very up to date spending I make on the card written down and the amount that was pending never get added back, with absolutely no record on there end. Ive argued with them over this with numerous service representatives and no one is able to help me. There should be some type of record where the amount was put back in and they agree with me yes there should be but there isnt. There no way of tracking it other than your own records with is only good for me, they should have it in black an white. To me for a XXXX XXXX company not to show something that simple and save from argument over the phone time and time agian is crazy, I think they do know what they are doing, that is why they dont show any detail records.I had three different pending charges in XXXX between XXXX with them all around XXXX. Two was for tiger rock industries and one was for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows a Public record on my credit report it doesn't belong to me, I dispute this so many times and they do noting an still on my credit report I ask for the investigation documents and they don't send me notining. They violate my right by having a public record that is not mine and don't send me the information of the investigation.
Product: Checking or savings account

It started when someone asked me to use XXXX through wells Fargo, they asked me to send money to them this happen in XXXX it was for a sum of XXXX now wells Fargo said they can not refund my money it was fraud, they allow people to open accounts with no papers and then go into overdraft, I have tried to resolve this, they say they can not help me, I want my money back, plus I had another instance XXXX they will not reimburse this is bad on their part they are supposed to help customers with problems and scam not go against them and not refund money, this is a bad practice they are allowing illegal people to scam people then open accounts take your money then the bank can not refund you, this is wrong, I want someone to handle this, I just had XXXX lost money and this is the way the bank treats customers
Product: Mortgage

The company Mr. Cooper sent me the mortgage statement in an open envelope and this contains personal and sensitive financial information. See image attached.
Product: Debt collection

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XX/XX/XXXX I am in receipt of your letter dated XX/XX/XXXX,  where you state that you are reporting the validity of this account and you are absolutely WRONG! 

I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through Ashley Furniture @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor XXXX XXXX XXXX can verify that they are reporting accurately. 

Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX  and XXXX ) that you have reported INACCURATE information to. 

My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. 

If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. 

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. 

If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. 


XXXX
Product: Debt collection

Describe what happened so we can understand the issue ... 
In XXXX 2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XXXX, I received a notice from XXXX, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called XXXX to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the XXXX representatives said there was nothing they could do to reverse this. As of late XXXX, XXXX was cooperating with pending CFPB complaint. As of XXXX, XXXX claimed to have no knowledge of this debt ... at the same time, XXXX XXXX stated they no longer held the account and could not provide any information. On XXXX XXXX, I received another collections notice from Stellar Recovery. The repeated dodging of my complaints and shuffling of my account is making this issue next to impossible to solve.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our prior correspondence and my persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Called me claiming I owe them for a past debt. And they refused to confirm if I am the debtor or not. And they refused to identify themselves. All they had is my phone number.
Product: Credit card or prepaid card

I booked a trip to the XXXX XXXX XXXX XXXX XXXX on XXXX. Check in XX/XX/2021 & check out XX/XX/2021. Booking was made on XX/XX/2021 and charged to my Amex. I prepaid for nearly the entire stay. I was supposed to only be liable for a small portion of the balance at the hotel upon checkout. I paid {$910.00} with a balance due of {$110.00} due at checkout. Upon checkout I was charged {$1000.00} and not just the balance owed. I immediately tried to dispute with XXXX and was eventually advised in writing that I would be refunded {$960.00} as overpayment. I still have net received any refund. I have disputed multiple times now with Amex XXXX XXXX  with no satisfaction. I have details in the attached document showing the original charge, the response from XXXX confirming a refund and notes from the final conversation where I was advised to speak to the XXXX. The Hotel has not returned my call.
Product: Mortgage

I was attempting to do a loan modification with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to RUSHMORE and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both rushmore and XX/XX/XXXX that this was unlawful. I am victim of dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX XXXX XXXX XXXX account for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report.

Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.
Product: Credit card or prepaid card

Paid of motorcycle won't give me title till other bike is paid off? But yet I'm a good customer? Paid payments on both bikes on time never late.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX Balance {$59.00} XXXX XXXX XXXX XXXXXXXX Balance {$670.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy Federal Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy Federal Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am currently a student and have XXXX XXXX student loans. I made a year-end payment of {$1300.00} to pay off all of my interest that had accrued over the year. The entire amount was transferred from my bank account to my my loan servicer, Navient. Navient applied {$1200.00} to my first loan but somehow managed to lose the remaining {$170.00} that was supposed to go to my second loan.
Product: Debt collection

I received a few phone calls from this number telling me that I had an outstanding credit card debt from 2016 I informed them that I didn't have any credit cards back then they started threatening me telling me that they needed an address so that I could be served papers and it was going to cost me another XXXX to XXXX XXXX in legal fees so I paid it on my credit card this is the name of the group and the phone number associated with itXXXX XXXX XXXX XXXX XXXX. I paid a total of {$1500.00} on XX/XX/XXXX. I've been doing a lot of research since then and found that I did not owe any debt and I'd like my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount items that were opened under my social security number and by the look if it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$140000.00}
Product: Credit card or prepaid card

Forever 21 XXXX Credit Card from Comenity Bank - I stored this card on file for a monthly bill of {$150.00} during XXXX  of XXXX. I soon removed the card from my account and used a completely different card for the monthly bill as of XX/XX/XXXX. I noticed in XX/XX/XXXX that I continued to have the {$150.00} charge on my Forever 21 credit card account even though I REMOVED the card in XXXX, and was already paying for that monthly bill with another card. So I was double charged for XXXX, XXXX and XXXX. Of course the first thing I do is contact my monthly billing correspondant thinking they were the ones charging me. However they did not see the Forever 21 card on my account, just the correct card. That's when I knew it was an error on Forever 21 's end. I called Forever 21 and opened a dispute for the 3 charges of {$150.00} in XX/XX/XXXX. I was notified that I needed to send in proof that I was not responsible for these charges. I sent them receipts showing I paid for XXXX, XXXX and XXXX bills with another card. 

During this investigation, Forever 21 STILL continued to charge me {$150.00} for XXXX and XXXX. I called several times, and was told that since this dispute is all under the same bill and monthly charge, these two other charges will be included in the dispute. 

They finally credited my account in XX/XX/XXXX ( 4 whole months ) of the {$150.00} charges, but they only gave me FOUR credits, not five. Again, I was being wrongfully charged {$150.00} from XXXX to XXXX ( until I had to cancel my Visa card and get a new one just so they would STOP ). 

Since XXXX, I have called DOZENS of time telling me they still owe me {$150.00}. They told me I had to open another dispute even though this was and is all part of the same dispute since XXXX. Every time I call, the agents tell me they need to open up another dispute and that I have to WAIT ANOTHER 90 DAYS. Worst of all - Forever 21 Visa customer care agents do not give reference numbers for calls so every time I call I have to explain the whole situation over again, and I always get one of two answers whether they need to open another dispute or that the dispute is in process.

They are not taking care of this dispute. They did not give me back my money. They still owe me {$150.00} and I have been waiting MONTHS. As a single mom, this has been an absolute night mare. Waiting a
whole 7 months ( who know how much longer ) to get my money back that they took from me is absoutely unacceptable.

The following attachments show the 5 charges coming from Forever 21 ( XXXX, XXXX, XXXX, XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ) AND the charges from the correct card I changed my account to ending in XXXX.