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

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Unauthorized and Fraudulent Credit Inquiries Dear XXXX XXXX, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to address a concerning matter regarding my recent credit report provided by TransUnion XXXX. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX  - Date of Inquiry : XXXX XXXX XXXX - Date of Inquiry : XXXX I want to emphasize that I did not provide authorization to anyone employed by these companies to access or view my credit report. Moreover, I did not grant TransUnion XXXX permission to include this information on my credit report. Such actions not only violate the Credit Reporting Act Section 1681b ( c ), but they also represent fraudulent activity and a serious breach of my privacy rights. 

I request your immediate attention to this matter. I urge TransUnion XXXX to take swift action to rectify this situation by removing the unauthorized and fraudulent credit inquiries from my credit report promptly. Additionally, I expect a written confirmation of the removal and an explanation of the actions taken to prevent similar occurrences in the future. 

Please consider this as an urgent matter, and I trust that you will handle it with utmost diligence. Your cooperation and prompt resolution will be greatly appreciated. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I suffered a week due to their incompetence and their poor complaint handling process that I had to resort to the CFPB to ensure my issues were looked into. I was lied to when I tried to process my wire by the wire team many of times. It was only when I threatened to close my accounts that minor progress was made. I was told many times they dont know their complaint process and complainants do not always receive a formal resolution. This experience was distasteful and I was unfairly treated for a week. It was emotionally and physically draining. {$30.00} is nothing compared to the market fluctuations we missed due to trying to get our money to my husband who currently resides in XXXX for work. Discover was all of the following to me : deceptive, unfair, & created avoidable financial harm. There was absolutely no reason I went through XXXX to send my own money to my husband who is a joint owner. There was also no clear indication during any call that the notary I submitted for my phone number was separate from my wire. I had to call and ask so many questions and read between so many lines. They need to confirm all calls related to this misery was reviewed, a real apology is issued to me, & additional rebuilding trust monetary relief is provided.
Product: Credit card or prepaid card

This is my second complaint against Bank of America, after receiving another unexpected interest charge posted on my account this billing cycle. My last unexpected interest fee charged was just last billing cycle. 

This time, I was actually carrying a negative balance, hence there was no accounting justification for it whatsoever. 

I called customer service on XX/XX/XXXX at XXXX and spoke with XXXX, who said that this was due to a system error, and that they will 'waive ' the fee ( indicating that the fee in itself is justified. I do not recollect any apology offered. 

I was only able to pick it due to increased vigilance after receiving interest charged just last billing cycle. This proves that they are unjustifiably posting interests which consumers are left to pay if they do not pay attention.
Product: Credit reporting or other personal consumer reports

Capital One is in clear violation of the CARES ACT. As described in the CARES ACT, I made arrangements with CAPITAL One in XX/XX/XXXX, while my account was still current to make reduced monthly payments. I explained to them that I lost my job during XXXX  and I had not been called back yet. They Agreed to accept $ XXXX and to waive late fees. According to the CARES ACT the Company is supposed to report the Consumer as Current as long as the Consume adheres to the agreement. I faithfully adhered to the agreement and I was still reported as NO Payment 30 days late monthly and that continues to this date XX/XX/XXXX. The CARES Act was signed into Law to protect consumers ' credit. Please see the attached copy of the CARES ACT as it relates to Businesses and Consumers.

As a result of their violation of the CARES ACT my Credit Score has dropped at least XXXX points. Other creditors saw the drop in my scores and followed suit to either lower my credit limit on existing accounts or close my account altogether eventhough I was current. 
I reported this violation of the CARES ACT to the Credit Bureaus without any results, XXXX and XXXX. I Disputed credit report errors with the bureaus and the creditor and according to the CARES ACT, " Credit bureaus now have 45 days to correct errors, normally under the FCRA they had 30 days ''. They did not make any corrections. However, the Bureaus did state to me, if Capital One agrees, they will manually remove the erroneous " 30 Days Late '' from my Credit Report. The CARES ACT was a law. Why, should the Erroneous Reporting Only be removed if Capital One Agrees?
Product: Checking or savings account

I opened an estate checking account for my father 's estate as the independent administrator for the estate on XX/XX/2020 at Chase Bank in XXXX XXXX XXXX, Texas. The account was opened with {$3300.00}. I sold a property of his that he owned outright through a realtor and used a title company. I instructed the title company to wire the proceeds of the sale in the amount of {$200000.00} to the estate account. The wire was sent successfully. Chase Bank received the wire and proceeded to close the checking account for the estate, never crediting the checking account with the wired funds. They refuse to talk to me and tell me what happened to the wired funds. They have not returned the funds to the sender as of this date. Chase just says they are terminating the banking relationship, which is fine as long as the estate gets the money from the account and the wire transfer. Please help me, I really don't know what to do.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning without any clear reason. My routine check revealed unexpected discrepancies. I tried refreshing the browser to rule out a malfunction, but the inquiries stayed. Therefore, I ask that my documents be carefully reviewed to ensure this issue is resolved once and for all.
Product: Credit reporting or other personal consumer reports

Good afternoon I used to have a joint account auto loan with XXXX XXXX which I paid on time since XX/XX/XXXX always on time. Unfortunately, the car was totaled on XX/XX/XXXX due to weather and XXXX XXXX told me through the phone that they would get in contact with the GAP Insurance XXXX XXXX ) to charge them any difference. Effectively they did but it was not resolved on time showing in my account two late payments XX/XX/XXXX and XX/XX/XXXX, before the account got fully paid by the GAP Insurance and later closed. I have asked them to remove those two showing late payments but they told me that I need to talk to the bureaus and the bureaus keeps telling me that I need to talk to XXXX XXXX They had me back and forward until I decided to reach the CFPB to help me solve this situation. Thank you in advance!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

This is a follow-up to an ongoing Claim # XXXX which you indicate JPM is the process of reviewing. I have had a chance to review the documentation the notary, who came to my house to do the closing on the refi back in 2011, left with me. In this packet you will see : ( 1 ) copy of one of the letters from Chase responding to one of my claims, indicating that they had sent me a marketing offer for a super streamline HARP - As stated before this is incorrect. I did n't respond to any marketing offer. I enquired about getting a lower interest rate on my existing loan based on what the market was offering and being that Chase had my loan.
( 2 ) Copy of JPM Chase Commitment letter clearly indicating type of mortgage as : Conventional Fixed.
( 3 ) Copy of Notice of Right to Cancel clearly indicating type : Conventional ( 4 ) Copy of Uniform Residential Loan application clearly indicating type of mortgage as Conventional ( 5 ) Copy of Settlement HUD-1 clearly indicating loan type : Conventional uninsured ( 6 ) Copy of Truth and Lending Disclosure Statement Final copy indicating nothing about loan being a HARP. It is the Lock-in-Agreement the only document that refers to loan type as Conventional HARP. As stated before, based on the criteria required for a HARP loan, it does n't look like my loan qualified for such program as it did n't provide me with any added benefit but rather increased the overall loan amount by approximately $ 50k. Extended a higher rate than the current market rates while increasing my loan term by 13 years. The attachments clearly indicate that I was intentionally mislead. Chase never told me about the HARP program nor disclosed any advantages or disadvantages of converting into a different type of program. However, as the documents show, only the conventional program was being offered.
Regardless of the type of loan Chase granted me though, my request was to reduce my debt by refinancing at a lower rate which at the time was being offered, by different financial institutions including Chase, at below 4 % but Chase I only qualified for 5 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian corporate office : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX Re : Experian report XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX Experian continues to block me from the ability to dispute accounts that are being reported on my credit report by abusive collection agencies with malicious intent who are in violation of the FDCPA. " Legitimate '' proof of debt not provided by any of the aforementioned collection agencies. Experian may be protecting these collection agencies with no merit. Below are a list of a few collection accounts in which are abusively reporting and ignoring requests from this author. In addition, they have failed to acknowledge the documentation that I have sent them. 



( XXXX ) National Credit systems Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account ( XXXX ) Rent debt Automatic collection Address XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$2900.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX
Product: Credit card or prepaid card

I have paid off my credit card and closed it. The company during pay off confirmed that I will have no more balance and the account is closed. The company some how now managed to put some fees and constantly increased the balance and reporting this information to credit bureau. I would appreciate if this company bjs XXXX XXXX can stop this harassment.
Product: Mortgage

I am trying to refinance my mortgage to get a lower interest rate. My 2nd loan with 21st mortgage   statements have a statement balance of {$28000.00} When the loan pay off was requested they added an additional {$7100.00} of accrued interest. 

This is unfair because I expected my payoff to be close to the statement balance. 

My statements have never shown any accrued interest accumulating.
Product: Credit reporting or other personal consumer reports

I find myself incredibly frustrated at the moment. As a result of identity theft, two of my email accounts have been compromised in XXXX XXXX XXXX breach. This has led to a significant exposure of my personal documents, including my SSN, driver 's license, and private photos, all stored within XXXX 's services like email and XXXX. Such exposure was never solicited by me, yet it's having a detrimental impact, especially on my credit score. The situation has escalated to a level that is both unacceptable and distressing. I am earnestly seeking assistance to rectify this issue and remove the compromised information as swiftly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan XXXX All payment were made XXXX XXXX  on time, Shellpoint incorreclty applied XXXX payment to a wrong account. Shellpoint per written correspondence admitted the error and corrected the error and reversed any late fees and agreed the account was current and actually paid in advance through XX/XX/2023, yet they refuse to correct with credit bureaus and even protested the correction with the bureau contradicting the events and their previous correspondance.
Product: Money transfer, virtual currency, or money service

I contacted a man selling an XXXX XXXX XXXX  on XXXX XXXX XXXX, we talked and I made sure I asked Numerous questions about the device, received pictures, it all sounded so promising even after I was skeptical in the beginning questioning him. Everything added up to me, so I linked my bank to my cash app card & sent it that way. This morning I go to the post office to get my package open it up and its a voice recorder in a XXXX XXXX box wrapped in grocery bags. I have proof of the entire conversation, evidence of him verifying Everything he said was true, etc. I really would like to speak to some sort of authority about this. It is not okay. I didnt really have the money to spend as it was. Let alone spend it & not even get what I paid for. There has got to be a way we can handle this. Please reach back out to me ASAP.
Product: Credit reporting or other personal consumer reports

Subject Dispute of inaccurate information on Credit Report I have recently viewed my credit report and found several items on there that are inconsistent. So I am writing to dispute the following inaccurate information. The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report.

I have not been given a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) The Collection Agency is violating my consumer rights by using false and misleading, misrepresentation and deceptive means.

The collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681-S2 ( 7 ) ( A ) The names of the accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, at XXXXXXXX XXXX my belongs were stolen from me and the people who did it used all of my apps and cards to do fraud ; mainly my Navy Federal account and XXXX. They called in acting as me because they had my mobile device and I had to purchase a new phone because of this reason. My device was unlocked at the time that it was stolen and they were able to access all of my information. Navy Federal closed my account and stated I was responsible for {$3100.00} that I didnt not own or have. I lost my apartment because of this and I have no been able to open another account. I should not be responsible for the fraudulent activity that happened on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have disputed information Midland Credit Management on this account several times and the company has never sent any documentation of the alleged debt information to my address validating the amount owed. I also disputed it with XXXX and they denied the bureaus request. In XXXXXXXX 2022 several phone calls were placed to alleged creditor XXXX XXXX XXXX with the correct amount owed, however company refused to send original documents including a signature where I agreed to pay them for any debts owed. The account was sold to another company without my knowledge permission or agreement where it accrued daily interest, again alleged creditor was asked to confirm amount owed but refused to send letter ( I am unsure of which company the account was sold to, it was closed by original creditor and sold to another bank ). Account was sent into collections in XX/XX/XXXX 2022, no letters were received via mail about the account and the balance reflected on original credit file was XXXX . In XXXX 2022 I was living in another state and another location. I was never sent a letter from the creditors about my account.
Product: Debt collection

My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these XXXX items deleted from all three of my credit reports effective immediately. Im attaching proof that XXXX has admitted I was a victim from the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports LVNV FUNDING LLC LVNV FUNDING LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Scammers called my bank and informed them that I had lost my debit card and change my address to their. These are the same people that scammed me out of over XXXX They continue to harass me.telling me that the police can not do anything because this is not a criminal suite but a civil suite . NO one will help me I have contacted XXXXgovernment entities to my dispute I am on my own.
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 {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Checking or savings account

Hey May I ask when do I get a refund for XXXX dollars and XXXX for a refund back to me my name is XXXX XXXX XXXX XXXX the dates are XX/XX/2020 other date XX/XX/2020 thank you