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

On XX/XX/year>, I mailed a dispute letter to Transunion, requesting an investigation into several inaccurate items listed on my credit report. In my dispute letter, I explicitly asked Transunion to provide specific information on how they verified the accuracy of the disputed items. The details I requested are as follows : The specific date on which Transunion initiated contact with the creditor regarding the disputed item. The complete contact information for the creditor, including their business name, address, and any available telephone numbers. The full name of the individual at the creditor 's end who verified the accuracy of the disputed information. Method of Communication Used to Verify Information : The method ( s ) through which Transunion communicated with the creditor/furnisher to verify the accuracy of the disputed item ( e.g., phone, email, mail ). Confirmation of whether the creditor/furnisher supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 

Despite my clear and detailed request for this information, I have not received an adequate response from TransUnion. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, consumers have the right to understand the process and basis upon which their disputes are resolved. 

The response I have received from Transunion dated XX/XX/year>, is a refusal to conduct an investigation and to provide the details being asked, the response stated 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. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Debt collection

XXXX XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. 

COMPANY NAME : ENHANCED RECOVERY COMPANY ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

I found a account from Capitol One on all three of my credit reports as delinquent. I only have one Capitol one card on my report which belongs to my mother and I am a authorized user. This other card credit limit {$300.00} I have no knowledge of and have been disputing it for about three months now. I disputed with all three credit bureaus, I filed a complaint with the XXXX as well as with Capitol One. I received a letter from Capitol One on XXXX XXXX, 2019 stated that they performed an investigation and confirmed that the account ending in XXXX was opened online and after the performing their review they believe the account belongs to me for the following reasons. ( 1 ) The contact information used to open the account has been linked to me by public records. 
A- My address B- My Phone Number C- My ss # and date of birth There for I'm left with a negative mark on my credit from a card I never had nor asked for. On XXXX XXXX 2019 I saw on the news that XXXX year old XXXX XXXX hacked capitol Ones system. There was a data breech with Capitol Ones system and 100m affected in the U.S and 140k social security numbers was compromised. The information that was stolen was Names, addresses, zip codes, emails, dates of births. The same information that Capitol is stating they used to connect this account to me. Im not stating that XXXX or whom ever she was connected to is the cause of my problem with this company, but I do know that I never applied for this credit card and NEVER used it. There for I should not be responsible for it and my credit reports should be updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX Account # xxxxxxxxxx XXXX Acct # XXXX has violated my rights. 

Acct # XXXX XXXX 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) further states that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan improperly or for unauthorized purposes.
Product: Money transfer, virtual currency, or money service

Cash app I have used few times had to create different account because I was keep getting fraud and scam I have lot over XXXX dollars to this company I have tryed and tryed to contact them to file a complaint they never respond they never go threw with anything they just tell me there working on my case but then a week later its gets denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.
Product: Prepaid card

I purchased an American Express Serve Pre-Paid Card to use as a source for direct deposit of my pay check. My first deposit was deposited on XX/XX/2016 and on the same day of that deposit I received XXXX unauthorized transaction from the State of XXXX while I was in the State of XXXX working. I contacted the American Express Card services the same day XX/XX/XXXX to notify them of the unauthorized transactions. There were XXXX transaction for {$50.00} each and XXXX transaction for {$37.00} for a total of {$180.00} on XX/XX/XXXX I was told I needed to wait 3-4 days for the transaction to post and to call them back. I called back on XX/XX/XXXX and was told the transactions had posted and that I could dispute the charges. I was told I needed to fill out their Declaration Fraud Form and return it via their upload site. On XX/XX/XXXX I scanned the form as a PDF and uploaded it to them. They told me, if I return the forms back within a 10 day time period, they would credit back my money while they completed the investigation. After 8 days, I call them again because I had not received any correspondence from them during the 8 day periods. I was told that the documents I sent were all black and unreadable. After pushing the issue to a speak to a supervisor I was told that their PDF program was not working, so they could not read the forms. Once again, I informed the supervisor that I not received any correspondence from them concerning the documents being illegible. I asked the supervisor what was an alternate way to send the forms back and she gave me a fax number ( XXXX ) and she said if I fax it immediately, she would get the documents from the fax machine and review it. I fax it on XX/XX/XXXX at XXXX and received a fax conformation that the fax was received OK. I call her back and she said that she had received it and the forms were good. The supervisor then said she was going to send them to the investigation department to complete the process and to get them to credit my money. I call again on XX/XX/XXXX to find out my status and once again I was told the forms were unreadable and I needed to resend them again. I said the first one were unreadable but I resent them via fax and they were reviewed as OK. I never received a text or email that either set of documents sent were unreadable or unusable. Please remember the supervisor on XX/XX/XXXX read them and said they were ok. I was requested to send them again for the third time via fax by Supervisor XXXX ( ID # XXXX ) which I did on XX/XX/XXXX. I really believe they are stalling and taking me through all these changes so they do n't have to return my money by making me become frustrated and walk away from the process.
Product: Debt collection

I had car insurance with progressive saying that I had the car insurance in XX/XX/2022 and didn't pay the coverage in the amount {$350.00} When I didn't owe them any money due to me switching that month and started my new car insurance. XX/XX/2022 I was covered by XXXX XXXX  at that time.
Product: Credit reporting or other personal consumer reports

I was wondering why in the world is XXXX XXXX accessing my credit through soft inquiries. They have access my report XXXX times from XX/XX/year> to this month of XX/XX/year>? I also have other companies accessing my report without my information and feel that is why I believe my credit report has been used incorrectly. 
Thank you for your help.
Product: Bank account or service

Paypal charged my bank account four times for the shipping payment of {$7.00}, resulting in {$140.00} in overdraft fees.
Product: Student loan

I take my credit very seriously and set up autopay with Aidvantage early on, before the forbearance ended. Received confirmation on XX/XX/ that my payment was received then several days later I received a notice that my account was overdue. I could not figure out what happened. Eventually I found within my account that my payment had been reversed. I tried to make a separate larger payment and then the same thing happened. I then deleted my banking information and re added it thinking I could have entered my account incorrectly or something. But yet again after it processed I received a thanks for your Payment email but then found it was reversed again. Im very frustrated because I feel Im being unfairly charged interest/fees when Im just trying to pay. I also want to take advantage of the .25 % interest reduction for autopay. Lastly I have mailed a check and hopefully it will work. This is the same bank account Ive had for decades I recently had autopay on a car loan and use it for credit cards and it was even the same one that I had for fed loan for the same loans before all these serviced charges happened. This is pretty ridiculous and causing me undue frustration. 
I have tried calling and just witnessed a long wait and never talked to anyone. I emailed and never got anything back.
Product: Mortgage

This is 2nd complaint about the our loan servicer Specialized Loan Servicing ( SLS ). 
First complaint : XXXX submitted on XX/XX/XXXX. SLS responded and the complaint was closed on XX/XX/XXXX. But our account is still incorrect! Our account was transferred to SLS effective XX/XX/XXXX. SLS issued billing statements dated XX/XX/XXXX and XX/XX/XXXX that were incorrect. After multiple calls to customer service with no resolution, I filed a CFPB complaint. In its response on XX/XX/XXXX SLS stated they contacted the previous servicer XXXX to verify we were paid through XX/XX/XXXX and corrected our account to reflect payments of {$440.00} for XX/XX/XXXX and {$440.00} for XX/XX/XXXX. The response stated our account was due for XX/XX/XXXX contractual monthly payment. Our monthly payment is {$440.00}. But when I called on XX/XX/XXXX to make that payment, the customer service agent said the account was due for {$760.00}. That is incorrect! The customer service agent was unable to explain the discrepancy of {$320.00}. Then she said it was an administrative billing fee for the type of loan you have and said it was a separate issue from our prior complaint. That makes no sense! We never paid such a fee with the previous servicer. This is a HELOC that was termed out around 7 years ago. Furthermore, SLS has never detailed an administrative fee on any of the billing statements we received since the loan was transferred and such a fee was NEVER mentioned in the previous MULTIPLE phone calls I made trying to resolve the errors on our account. Now they are trying to cheat us out of {$320.00}. So I made payment of {$440.00} to cover our XX/XX/XXXX contractual monthly payment and I disputed the {$320.00}. The customer service agent and said a dispute/research request was submitted and suggested I call back next week to follow up. This is is the same runaround I went through before. Its been over 2 months since our account was transferred to SLS. I have spent hours of my time trying to get our account corrected and it is still wrong! I have made all contractual monthly payments through XX/XX/XXXX. The incompetence of SLS in onboarding our account is unacceptable!
Product: Credit card or prepaid card

Our non profit and has had {$600.00} removed from its account illiegally by Square our online payment system for parent fees. An illegal refund was reuqested on Tuesday XX/XX/XXXX at XXXX alerting us to a refund for a XXXX XXXX We did not make such a request. The next day our bookkeeper went to the bank to inform them to put a stop on the refund. We contacted Square everyday from XXXX until today XXXX XXXX and they have continually told us they were dealing with the refund. Our bank XXXX XXXX told us today a second refund was withdrawn by Square. The parent who XXXX XXXX  this belongs too send us an email to tell us the account for this card was closed in XX/XX/2021 and did not dispute any charges of our account. The parent has also contact XXXXXXXX XXXX  filing a fraud dispute on the account. We can not get XXXX XXXX or Square or XXXXXXXX XXXX to take any responsibilities over the missing funds. 

We have emails dates and time and all information to send to you to assist us with obtaining a refund.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, and again in XX/XX/XXXX, I noticed that XXXX XXXXXXXX XXXX was reporting my name and personal information as being an authorized user on an account I never authorized to open. 

On or around XX/XX/XXXX, I contacted my local law enforcement officer who had previously conducted an investigation surrounding my compromised and stolen personal information. It was determined by detectives that XXXX XXXXXXXX XXXX account number ( XXXX ) was opened without my written or verbal consent. In addition, in a review of all documents and due to having " Frozen '' account and notices to contact me prior to the extension of credit that XXXX XXXX never formally inquired on my credit file. Based on the information and investigation my name and personal information was used to be added onto an account I never opened or authorized. According to law enforcement the file was deemed as identity theft in violation of Ca Penal Code 530.5 ( a ).
Product: Debt collection

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you kindly review the documents? Some of the listed accounts are inaccurate, and it's unsettling for me.
Product: Checking or savings account

michigan state child support dispersement center deposited XXXX seperate deposits to an account in my name with bofi bank. 
XXXX XX/XX/XXXX XXXX {$830.00} XXXX XX/XX/XXXX XXXX {$27.00} upon contacting bofi bank ( has changed its name in XXXX  to AXOS ) they ay they have NEVER HERD OF ME OR my social security number. because they have ACCEPTED the transactions michigan state says there isnt anything they can do about the funds and the bank will not let me talk to supervisor or anything. 
i have been digitally ROBBED by this corperation! please help recover the money that I AM DESERVED
Product: Mortgage

My wife and I have a VA mortgage through Crosscountry Mortgage. 

We missed two mortgage payments -- one in XXXX XXXX, the second in XXXX XXXXXXXX

Crosscountry Mortgage correctly reported a rolling " 30-days late '' to the credit reporting bureaus after the XXXX XXXX payment was missed. Crosscountry Mortgage incorrectly reported a rolling " 60-days late '' status after the XXXX payment was missed.

My wife and I contacted the mortgage company in an effort to remedy the situation.

We were approved for a COVID forbearance, which was later extended.

The entire duration of the COVID forbearance ( to include the extension ) was from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX we made a mortgage payment -- during the forbearance period. 
On XX/XX/XXXX we made a second mortgage payment -- during the forbearance period. 
On XX/XX/XXXX, we made a third mortgage payment -- during the forbearance period. 

We made these payments during forbearance to bring the account current. 

Crosscountry Mortgage accepted these payments, and applied them to our loan. 
However, the mortgage lender did not ( and still hasn't ) annotated our loan as " current ''. They continued to report " 60-days late '' on our credit reports.

The incorrect information Crosscountry Mortgage reported on my credit reports has harmed ( and continues to harm ) my wife and me in the form of emotional stress, higher interest rates, closed lines of credit from other lenders, and an inability to conduct financial activity with other lending institutions.

Our credit reports should reflect a 30-day late as of XXXX XXXX, and " pays as agreed '' as of XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer XXXX Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, and a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to resolve this matter, I continue to be ignored! The credit reporting agency did not investigate and delete the items mentioned in the dispute and I haven't heard anything back from them. They responded back with I didn't include verifying information, like driver 's license and proof of address. This is definitely a stall tack tick and is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian Credit Bureaus Have Bankruptcy on these 2 credit agencies since XX/XX/XXXX and would like to have removed since 8 years old. I have good credit standing and would like to apply for student loans for further education however not able to to since this record is still on there. 

I placed complaints to both companies and they will not remove due to they state it will not be removed until XX/XX/XXXX. 

Any assistance would be great so I apply for student loans for education.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent several letter to the credit bureaus asking for verification of accounts on my report. Instead of the information I requested, I get and updated credit report stating the accounts are accurate without the names and numbers of the person that verified theinformation like I requested. I sent a letter a letter to XXXX regaring verification of inquires. I received a letter stating it was notmal practice for dealerhips to submit my application to multiple dealerships. and not the infor I requested. I still have yet to receive any infor other than emails stating my dispute was completed and accounts are accurate.