23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I, along with many other people, have had a huge issue with Rushcard since their " update. '' I can not access my account, my funds have been frozen and my card is now blocked at this point. I can not contact customer service due to the fact that upon request to speak to a representative, the call is said to be placed and then you are promptly disconnected after XXXX rings. I have tried every number I have found and am getting the " run around. '' I 've experienced very long wait times only To have my call dropped. I found a direct line to Rushcard and the woman I spoke with was very quick to try to get off the phone. She kept telling me to be patient and to keep trying to access my account, which I think is why it is now blocked. I explained as much to her and she told me that she could not tell me why it happened and she was sorry but she had no access to my account. Something is obviously going on and it needs to be resolved. Many people are without their funds and some have even stated their balances are now showing " {$0.00}. ''
Product: Credit reporting or other personal consumer reports

I verify my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need you investigate these items for accuracy. The items need be investigate FST Premier Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Mortgage

During refinance process, closing papers were signed on Saturday, XXXX XXXX, 2015. Papers were forwarded to finance company, funds were distributed XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. 
Payment was wired transferred to Caliber Home Loans - funds were denied and returned to lender. This process was done 4 times and rejected by Caliber Home Loans. I am a XXXX veteran and am seeking resolution to this issue.
Product: Credit reporting or other personal consumer reports

Received an email from Capital One stating that they I have an offer to upgrade my current credit card, no fee, no new account, no hard credit pull. On the morning of XX/XX/XXXX  I responded to the link and logged in my current Capital One account, clicked the accept for the upgrade, next thing I received a credit alert, they actually pulled a hard copy of my credit report, I called XXXX ( service number ) agent apologized but said it was a new application. I stated exactly what the offer was, not a new account, keep the same everything except different card name and cashback percentage. She said her supervisor said they could only delete the application, I again stated I did not want a new card/account, that this was very deceptive and they are probably doing this to numerous individuals. I asked them to retract and issue an error message to the three credit bureaus, they said they would not be able to. I stated that I was going to file a complaint, and that is what I am doing now.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and came across quite a few inquiries that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses accounts do not belong to me I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I applied for the Chase Freedom XXXX world elite. It was approved of the amount of {$400.00}. Then I receive a letter saying I did not get approved. I do not understand why they have given me false information. Also i need to know if they have run my credit more then once. The company is Chase JP MORGAN CHASE BANK
Product: Credit reporting

I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?
Product: Debt collection

I have been a victim of identity theft since back in XXXX that I became aware of it. My credit has been destroyed and multiple debts have been reported on my personal report even though they do not belong to me. I have filed police reports one in XXXX and again in XXXX. I need all of these debts and collections removed from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the agency in XX/XX/XXXXand had payments deferred on the account as I had lost my job with my employer. In XX/XX/XXXX I noticed that late payments were being reported and contacted the agency again. When I spoke with them they stated that they were fix the late payment records to reflect them being deferred. As of now I show late payments for XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Sir/Madam, I am writing to formally dispute and request verification of certain items on my TransUnion credit report, as I have identified several discrepancies that I believe to be inaccurate. My personal information is as follows : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of BirthXXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ) and related regulations, I am entitled to dispute information that I believe to be inaccurate or incomplete. Specifically : 12 CFR 1006.34 ( c ) : This regulation outlines the requirements for debt collectors to provide certain information about the debt to the consumer, ensuring transparency and accuracy. 
12 CFR 1006.6 ( c ) : This section addresses the communication practices of debt collectors, including obligations to cease communication upon request and to provide validation of debts. 
15 USC 1681e ( b ) : This statute mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 ( a ) : This section pertains to the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information and correct any known inaccuracies.

In accordance with these regulations, I request that TransUnion : 1. Investigate all items on credit report. 
2. Verify the accuracy and completeness of the information with the original creditors or furnishers. 
3. Provide me with a written statement detailing the results of your investigation for each disputed item.

4. If any item can not be verified or is found to be inaccurate, promptly delete or correct the information in my credit report. 

Please conduct this investigation within the legally required timeframe and inform me of the outcome. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection balance from the company XXXX XXXX was opened on XX/XX/2017 for the amount of XXXX. At this time I had insurance with the Company XXXX XXXX XXXX XXXX XXXX ( which is now involved in a class action suit ). This imaging was 'In-network ' and covered under my insurance policy. However, XXXX did not bill under said policy although they were provided all of my information ( insurance card, policy etc. ). I am seeking to have this removed due to XXXX 's negligence to accurately bill through the insurance company,
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars fro m five y ears ago. I am Inquiring as to why that is?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Student loan

I am a XXXX student, taking a " full course load '' for our reduced semester due to covid restrictions. Because I am not taking over 9 credit hours, my student loans from Sallie Mae did not qualify for deferment. I have been in contact with them to try to see what my options are, as I can not afford to make the full high monthly payments. I gave a financial statement and was told that because I did not make enough money, they were unable to enroll me in a program to reduce my monthly payment. Then my cosigner spoke on the phone with them, they were rude, provided no help and hung up on him. I was later told that he would need to make a financial statement to try to enroll me in a payment reduction program. Even through the payment reduction programs, the amount I will have to pay is more than I can afford. Over the past week, my family and I have been working on reaching a solution. In the meantime, a payment has been more toward the account in a partial amount. I have been in contact with my " account '' manager. I have explained the situation to her in great detail. I have told her I am aware of the date that my account will go to collections and that we, as a family, were working on coming up with a solution to pay for my student loans. In the meantime, I told her I was appreciate if the harassing phone calls would end since we were all aware of the current situation and they had not been helpful. The past two days, my whole entire family has been harassed by this woman. My mother was contacted while at work 11 times yesterday. Today the same woman called my mother AND my brother and sister. I am not even sure how she has their contact information. I again called and spoke with her. I told her again, we were aware of the situation, we were working on a solution and the harassment needed to stop, especially since we have made an effort to make payment and be cooperative. She assured me that she was not harassing anyone. I think contacting a party over 10 times a day, contacting other family members that are not authorized on the account and interrupting someones work day after they have been told several times to stop, would qualify as harassment.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to report and resolve several inaccuracies on my credit report, which have persisted despite my multiple attempts to address them with the relevant credit companies. Below are the details of each issue, including the steps I have taken to resolve them and the lack of resolution from the companies involved. 

Unauthorized Accounts : 1. XXXX XXXX Loan : Date Opened : XX/XX/XXXX Amount : {$16000.00} Account Number : Starting with XXXX Action Taken : I contacted XXXX multiple times via phone and submitted written disputes regarding this unauthorized account. Despite my efforts, the account remains on my credit report. 
XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$860.00} Account Number : Starting with XXXX Action Taken : I reached out to XXXX XXXX through phone calls and letters to dispute this account, which I did not authorize. My disputes have not resulted in the removal of this account from my credit report. 

Unauthorized Inquiries : XXXX. XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXX customer service and submitted a dispute for this unauthorized inquiry. No action has been taken to remove it from my credit report. 
XXXXXXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX Action Taken : I disputed this inquiry directly with XXXX and through the credit bureaus, but it remains on my report. 
XXXX. XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXXXXXX XXXX and the credit bureaus to dispute this unauthorized inquiry. It has not been removed. 
XXXX. XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX Action Taken : I reached out to XXXXXXXX XXXX and filed disputes regarding this unauthorized inquiry. It still appears on my credit report. 

Inaccurate Late Payment : XXXX. XXXX XXXX XXXX : Late Payment Date : XX/XX/XXXX Action Taken : This account was paid on time, but the payment check was not received by the company. I provided proof of timely payment and contacted both XXXX XXXX and the credit bureaus to correct this error. Despite my efforts, the late payment notation remains on my report. 

Summary of Actions : I have contacted each company involved via phone and in writing multiple times. 
I have submitted disputes through the credit bureaus ( XXXX, Equifax, XXXX ) for each issue. 
I have provided supporting documentation where applicable. 

Despite these actions, the unauthorized accounts, inquiries, and the inaccurate late payment remain unresolved on my credit report. I am seeking your assistance to facilitate the removal of these inaccuracies to ensure the accuracy of my credit report.
Product: Mortgage

I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it.
Product: Credit reporting or other personal consumer reports

I just got my credit report and some accounts on my credit are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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. 

They must be XXXX because everything is inconsistent. 

Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is a civil liability for willingful noncompliance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My residence was damaged by hurricane Irma and insurance wrote a check to me and my mortgage company, Flagstar Bank. I endorsed the check and sent to them almost two years ago. They have demanded so much documentation, some that I cant get, that I have not been able to obtain any draws. Now the house is 100 % complete, as verified by an inspector hired by them, and they still wont released the entire amount. They did send a draw of approximately 35 %. I want the rest of my money. 
After dealing with Flagstar bank on this matter I am firmly convinced they are doing this on purpose so they can use this money practically interest free. Essentially they have used my money for a little less than two years at an interest rate of about 0.01 %. They did not hold this money in escrow. They cashed the check. Below are some ways they make dealing with them extremely difficult. 
You cant talk with the same agent/person twice. 
Long and confusing phone tree you must go through. 
They wont tell you specifically what is still demanded. They only resend the beginning package with general guidelines. 
Their calls come through as United States not Flagstar bank. Many Robo calls are this way so you tend not to answer their calls. 
They call on weekends when its impossible to call them back as you only get a phone message saying they are closed. 
They take days or even weeks to return a call. 
They want documents that may not exist. For example you dont get formal signed and accepted proposals from every person working on the job. 
I have an email from them saying a disbursement of {$40000.00} XXXX not the right amount ) had been mailed that day. When it came it was for {$12000.00} XXXX about 35 % of total ). 

In conclusion I simply am demanding my money that they are holding. The repairs are 100 % complete as varied by their inspector. I believe their whole system is designed to keep that money from you as long as they can. Even the insurance company that paid the money has said repairs are complete. I want MY money with no more hassle.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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