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

I have repeatedly contacted TransUnion to have Bankruptcy XXXX removed from my credit report. I have sent letters to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. TransUnion has failed to provide me with any verifying documents and has refused to remove the Bankruptcy XXXX from my credit report. 

In my most recent letter on XX/XX/XXXX, I requested that TransUnion provide me information that details how they have verified the Bankruptcy XXXX on my credit report. TransUnion sent me a letter stating that the information they use to verify public records can be found at XXXX XXXX XXXX. When I go to this website ( I have provided a screenshot of the website ) it states that they use information from XXXX to verify Bankruptcies. I have attached a letter from XXXX stating that they have removed Bankruptcy XXXX from my XXXX report on XX/XX/XXXX. 

TransUnion must delete Bankruptcy XXXX from my credit report. XXXX could not verify the Bankruptcy and TransUnion uses XXXX to verify Bankruptcies. XXXX also stated that they sent TransUnion a letter to have the Bankruptcy removed from my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I opened XXXX XXXX XXXX with XXXX. In XXXX XXXX XXXXXXXX My XXXX XXXX with transferred to XXXX who sent me a welcome letters and is currently reporting late payments in XXXXXXXX XXXX XXXX to ( XXXX, Transunion and XXXX ) I contacted XXXX, and requested documentation is reference to the late payments, XXXX stated, they do not have any documentation for the late payments, who was servicing my student loans at that time. 

Furthermore, XXXX is my currently servicing my student loans. Who is now responsible for reporting the correct information on my credit report
Product: Prepaid card

Tried to load my prepaid card using the reloadit pak on the website given and constant technical difficulties, customer support was terrible and they saying a refund is 30 days, i need my money as soon as possible.
Product: Checking or savings account

My personal check was refused at XXXX XXXX even though my banker assured me that there would be no problem writing a check from the next pack of checks than the ones that were my stolen wallet. A company called Certegy Check Services contracted by XXXX XXXX. I called the number on the refused receipt for an explanation but was given around when I asked how they knew anything about my banking situation. My drivers license number showed no information on their files. I became tired of the run around and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a bankruptcy XX/XX/XXXX 2016 ReAffirmed 2 mortgages XXXX XXXX XXXX and Experian- Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX refuse to report all payments made from date of reaffirmation which is XX/XX/XXXX2016 to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
Product: Debt collection

I reviewed my crediit report yesterday XX/XX/2022 found that Credit Systems had reported me to the credit bureau for a Company called XXXX XXXX. The collection company said I Had to file a fraud police report and mail it to them and then they would take action of some kind in 7 to 10 days. They at first could not even spell my last name after social security # they located me which that's how they found me in the first place. Taked to XXXX XXXX and they would resolve it for 7 to 10 days. I live in Louisiana and XXXX turned on XXXX for someone in XXXX Texas because they apparently did it with a fraud person online. Seems XXXX to do this with no deposit, photo or even someone doing physical verification .In my opinion The supervisor was very rude. and 7-10 days to dispute. So XXXX filed fraud against XXXX charge, plus bother our local police department who have very serious jobs to. make a Fraud report! I would think with all the fraud going on they would verify more than just ss # which can be hacked.They also kept act. open for 3 months I believe everyone involved is part of a slander to my name. Investigate!!!!! before you put my name in credit bureau. All info and Police report are sent to Credit Systems International. Now my credit score has dropped over 60 points I would like and apology from both companies my credit report devoid of this report and XXXX for certified mail refunded. I feel for sorry for customers of XXXX XXXX if they can be so easily, conned on line and customers have to pay for their Lack in Security XXXX act # XXXX and XXXX XXXX  XXXX XXXX XXXX apologize for what everone has done and make this report removed fom my report before I take legal action of slander
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX of XXXX  since then I've been seeing a lot of unauthorized inquiries and accounts from Equifax credit profile. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquires have been found on my credit report please investigate and Remove all inaccurate inquires I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  : XXXX XXXX, XXXX XXXX : XX/XX/2022 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 an account without my hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to CFPB Case:XXXX Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Vehicle loan or lease

I fully paid off my auto loan on XX/XX/2023 for a XXXX XXXX XXXX with Hyundai Motor Finance. I have repeatedly contacted Hyundai Motor Finance, specifically their title department and they have not agreed to request a car title that shows me as the sole registered owner. I even filed this issue with the XXXX XXXX XXXX  and they have responded with generic responses saying " they are working on it ''. It has been 6 months since I have paid off my auto loan and I still do not have a car title that shows me as the sole registered owner. 

I have even tried to resolve this myself by filing a case with the DMV but without the proper signed paperwork from Hyundai, I am unable to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to CORRECT THE ACCOUNT AND DELETE ALL INQUIRIES ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FOURSIGHT Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I have been unable to access my M & T bank checking account online all week. I have attempted access at least 20 times over multiple days this week. I sent an email to the bank earlier this week and the bank replied the next morning that the online access issues were resolved. That was inaccurate/false. I was still unable to log in as the site hung up at the 'account summary ' page and failed to load. Internet searches suggest to me that this is a widespread problem among many M & T customers, and not an issue specific to my hardware or software. I am able to log in without issue to all other financial sites. To add insult to injury, M & Ts phone lines are overwhelmed. There appears to be a significant issue with M & T 's web and mobile platform which warrants serious regulatory intervention.
Product: Money transfer, virtual currency, or money service

On my last payment I pleaded with thwe customer service to cancel my account but still they are sending me anouther bill again for next month.
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 {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.
Product: Debt collection

This Account was paid in Full by my Insurance .My Lawyer has a letter from the XXXX XXXX XXXX XXXX  account was paid in full.
Product: Checking or savings account

My checking and savings account was compromised and I had to get a new checking and savings account & routing number. I have several fraud claims pending with navy federal credit Union and theyre dragging their feet regarding issuing a temporary credit, dragging out the process, team members lying to me and not doing their jobs. Ive been on phone with them for several days for over an hour and I get the run around. I have phone records and emails of navy federal credit Union team members telling me different things thats not the truth. Im getting the Michigan state attorney generals office involved, as well as the XXXX
Product: Checking or savings account

I filled for unemployment two years ago during XXXX an I got it I was awarded like XXXX $ in back pay an my unemployment every 2 weeks.. they sent me a debit card an I done what I was supposed to do.. I called bank of America an the number on back of the card an it would tell me my balance but when I went to use it the card would not work.. I cal them an talked to them servil times an they would always look up my account and tell me what I had an that it would take them a few days to get it fixed. I went to XXXX over not paying my child support and a couple different times and now I'm out. I called bank of America yesterday and now they can't find my account or my money.. I have to have this money to be able to live an pay my support or I go to XXXX.. so what can I do to get my money. Or are they going to go to XXXX an do the time for me ..my phone number is XXXX an my email is XXXX. can you please help me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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: Debt collection

I XXXX XXXX am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Portfolio Recovery Associates ( PRA ) regarding a debt purportedly owed to XXXX XXXX XXXX XXXX. I recently reviewed my credit report and noticed that PRA is reporting this debt. However, I have never received any documentation to validate the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
According to the FDCPA, a consumer has the right to request validation of a debt, and debt collectors are obligated to cease collection activities until they provide proper validation. Failure to provide this documentation constitutes a violation of federal law. To date, PRA has failed to fulfill this obligation. 
Due to the lack of documentation confirming the validity of this debt, I request the following actions : 1. Cease Reporting the Debt to Credit Reporting Agencies : Since the debt has not been validated, PRA must remove any references to this account from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Provide Proper Validation : If PRA wishes to continue pursuing this debt, they must provide a detailed validation, including : o The original agreement or contract with XXXX XXXX XXXX XXXX. 
o An itemized statement of the alleged debt. 
o Proof that PRA has the authority to collect this debt.

I expect Portfolio Recovery Associates to address this matter promptly and in compliance with the law. Should PRA fail to comply, I am prepared to escalate this complaint further. Additionally, I am requesting that they remove this debt from my credit report and send the account back to the original creditor.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to remove fraudulent accounts from my consumer credit report, despite my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts were fraudulently opened without my knowledge or authorization. 

Fraudulent Accounts in Dispute : XXXX  XXXX ( Credit Card Account ) Opened on XX/XX/XXXX XXXX XXXX XXXX ( Auto Loan Account ) Opened on XX/XX/XXXX XXXX  ( Credit Card Account ) Opened on XX/XX/XXXX XXXX XXXX  ( Credit Card Account ) Opened on XX/XX/XXXX Violations by TransUnion : Failure to Block Fraudulent Accounts ( FCRA 605B [ 15 U.S.C. 1681c-2 ] ) TransUnion must block fraudulent accounts within XXXX business days upon receipt of an identity theft report. Despite providing proper documentation, they have failed to do so.
Product: Debt collection

I sent a letter certified mail to LVNV Funding LLC asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and LVNV Funding LLC ) however XXXXcording to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt
Product: Student loan

I have been dealing with Navient for several years in an attempt to continue to fulfill my payment obligations. For several years ( approximately 20 ) I have been making payments under an Income Based Repayment schedule, retiring in XXXX  and moving to an IBR program shortly there after. For many years there were no issues to note. 

In the last five years or so there has been ongoing difficulty with Navient and having our payments being reflected correctly. I have had many phone calls ( dozens, if not over a hundred ) of phone calls with Navient representatives attempting to address whatever issues may exist. In several cases we would appear to reach agreement in discussion, only to receive correspondence indicating something different from what was agree. 

In an act of desperation, in order to attempt to truly address what Navient appears to see as continuing lack of payment, I send them nearly {$2000.00} in response to a letter in XXXX indicating that my account was delinquent in that amount. To be clear, I have been continuously making monthly payments for the amount due throughout the course of this loan without interruption for the amount due. 

My hope was that that act of payment would address the matter as they saw it. It did not, instead letters indicating late payment continue. My payments are sent through a bank bill pay service, same time and amount each month. My records are clear that Navient is being paid. 

I believe Navient is acting intentionally to create this situation that I have actively engaged in attempting to address. No action on my part over the last several years appears to appease this company, which has brought me to you at the XXXX XXXX XXXX XXXX to possibly help address.
Product: Mortgage

My wife and I refinanced with the first paymet being due XXXX. I setup for auto draft, and it has been XXXX ever since. As of now Cardinal Financial has pulled and paid XXXX, XXXX, and XXXX. They have been slow posting on every month, and have not posted XXXX or even pulled XXXX. We want to pay this house off, not have it damage our credit, and pay interest on payments that should have been posted on the first of each month. We have made multiple calls and keep getting the run around. My wife spoke with them on XXXX, and I spoke with them today XXXX, and all we hear from them is the same old thing, " I'm not sure why it's been such a problem '' or " we'll get back with you in XXXX business days ''. There has to be a way to protect people from lenders like this!
Product: Debt collection

Professional Debt Mediation , Inc with ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) started a debt collection for {$6200.00} related to The XXXX  on XXXX XXXX, XXXX and they did not communicate with me at all, neither phone or mail. I realized about the collection on XX/XX/XXXX as I went through a credit bureau. This clearly violates the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a reported late payment on my credit report. The late payments in question appear on my loan, account with XXXX XXXX and I believe it was reported inaccurately. 
I have reviewed my records, and based on my information, I believe the late payment was either reported in error or does not accurately reflect my payment history. 
I have already attempted to resolve this issue directly with the creditor, but the matter remains unresolved. I would like to request that the CFPB intervene to help facilitate a fair resolution. 
I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payment is removed from my credit report. 
Thank you for your attention to this matter. I would appreciate a prompt response and would be happy to provide any further information necessary. 
Sincerely, XXXX XXXX