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

My TransUnion credit report is locked. XXXX reports a total of XXXX hard inquiries for my TransUnion account from XXXX unknown-to-me entities ( XXXX XXXX  and XXXX XXXX. ) My credit score is lower and these 3 hard inquiries are listed on XXXX as " what's changed '' in addition to some credit card balance changes. 

The credit report lock is supposed to prevent fraudsters from being able to steal my identity and obtain credit in my name. The fact that TransUnion can not fulfill their obligation to lock my credit properly indicates they should be subject to severe penalties including significant fines. 

TransUnion suggests the XXXX XXXX would still permit " Creditors, lenders ( when you apply for a loan ), landlords and employers can request and view your credit report. '' These inquiries were made by none of those : XXXX XXXX  XXXX XXXX ( twice in the same period - 2 separate inquiries - Between XX/XX/year>2024 and XX/XX/year>2024 2024
Product: Mortgage

On XX/XX/2020 I began an application for a mortgage refinance with XXXX XXXX of PHH Mortgage Co. In order to commit to the application I was required to pay {$750.00} up  front for a home appraisal, which I did. By XX/XX/XXXX, the loan was conditionally approved and a loan processor was assigned, XXXX XXXX. The loan had a rate-lock good until XX/XX/2020. All documents that were requested by the loan processor were supplied in a timely manner. After XXXX months, and the expiration of the rate-lock, I received notification from PHH that the loan was being declined. No reason was given other than " unacceptable property ''. I have made numerous requests by email and phone calls to XXXX XXXX requesting a refund of the appraisal fee, since we had complied with every request to close the loan on time. So far the only reply has been to make an untrue statement about a subordinated lien on the property, which had been cleared by the title company weeks earlier. I feel that my expense for the appraisal should be refunded since the loan was declined through no fault of my own.
Product: Prepaid card

I currently have 3 AmEx gift cards with a total of {$760.00} on them and they do not work at all. I've tried to use them online to buy products on multiple sites and am repeatedly told the transaction will not go through even though the card has more than enough money to cover the price of the product. I've followed the directions to use the card perfectly, but am still facing this issue so the cards are worthless and I have just lost this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my online account with Bank of America credit card services, I noticed my FICO  score had dropped by 5 points based on the explanatory note that I had applied for  credit too recently and it affected my score. I have been in the 820s and above for years and decided to contact XXXX ( which supplies the data to BoA ) to see what recent account was opened that I was unaware of. 

I downloaded my XXXX record and nothing showed so I followed up with a call. They said nothing on my record they could see changed and there had been no recent request for an account opening ; the last one was nine months ago on an account that was paid current, as all my accounts are. Further, this appeared to be a proprietary evaluation independent of XXXX that BoA was using and not a XXXX  specific model. 

BoA does not have a written inquiry resource on their Contact list, only phone in. I tried twice, and after holding twice, was transferred to their credit department and promptly disconnected twice. 

I am unable to find out what account they claim I recently opened, so unable to correct the record and restore my FICO   score to what it should be.
Product: Credit reporting 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 XXXX  XXXX Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX removed from my profile
Product: Debt collection

I received a phone call earlier today at my work from a debt collector named XXXX XXXX # XXXX saying I have an old debt From XXXX. She called my work and asked to speak with me and my boss said he did n't want anymore calls coming to the office. Please help me get the collection calls to stop Because it should n't effect my work and it does not look good for me as an employee. Thank you.
Product: Money transfer, virtual currency, or money service

due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In XX/XX/2021 I added an authorized user to my account. In XX/XX/2021, I removed the authorized user. I asked Captial One to stop using the closed Capital One credit card to report positive on the former authorized user. Now, I am getting credit card offers in the authorized user 's name because of my credit card. I asked that they stop reporting my credit card usage to the former authorized user. They have not. Now I am concerned with privacy issues because my positive credit is still being reported to the former authorized user credit report.
Product: Mortgage

On XXXX 2014 I made my regular schedule payment to Caliber Home Loans with my personal check from XXXX XXXX XXXX XXXX a few months i received a letter requesting payment which I provided a copy of my check payment from my bank. 
recently XXXX payments were made for the month of XXXX on XXXX XXXX and the XXXX which i called Caliber Home Loans to request extra payment should be posted for the month of XXXX. I sent numerous letters and many phone requesting an investigation instead their collector department constantly requesting payment
Product: Credit reporting or other personal consumer reports

I see XXXXXXXX XXXX XXXX accounts on my credit report, I am not a owner of these accounts. I asked them to show proof of my signature and personal information. I shows me listed as Authorized user, I am not a user of this account. I am requesting that Transunion remove these false items from my credit report. I see a collection from XXXX XXXX XXXX Last reported XX/XX/year> {$640.00} Open balance XXXX XXXX XXXX Original creditor : This is not my account and I have no records of this account being used by me. Please investigate and have Transunion remove this false/identity theft from credit report under the data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from  XXXX  verifying and confirming the error but they still failed to address error
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent account from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed
Product: Debt collection

I had gotten behind on my XXXX XXXX Credit card through Commenity bank. I was contacted by them in XXXX and had set up a payment plan of {$20.00} per month until I could get caught up. I later found out that they had changed the payment plan to {$47.00} per month without my permission and then terminated the payment plan and proceeded to charge me outrageous over balance and late fees. When I accessed my account online I learned that not only had they done this but that someone had changed my contact/security number to that of my ex-wife who they would have no way of knowing or reason for contacting since this account was established several months after our final decree of divorce was issued. I changed the number back to mine. Funny thing is that they were able to contact me by phone prior to this time which was the same number I provided as my security number. When I attempted to report the mishandling of the account I was bounced back and forth between departments each time sent back to the payment collections department without any regard for the mishandling of my account or the consequences thereof. When I attempted to speak with someone in the fraud department she told me that no such payment plan of {$20.00} per month was done by them and when she promptly forwarded me to the payment collections department they subsequently offered to start a new payment plan of {$20.00} up to which point I had not mentioned to the woman I was speaking to. They were misrepresenting the facts and to add further insult the woman was gossiping to an associate about my irritated state when she thought that I could not here her and they were laughing. Please help me to remedy this situation. Thank you for your time and consideration in this matter, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

us bank is reporting inaccurate information on my credit reports. they need to take the responsibility and remove the late / delinquency from my credits since it was their error and must come off.
Product: Mortgage

Received real estate tax exemption from the XXXX of XXXX in our XXXX on XX/XX/2022. We sent this info to the Tax Department of PHH Mortgage Company and it was confirmed they received it via email on XXXX XX/XX/2022. We were informed it would take 10 days to be processed is now XXXX XX/XX/2022 and they have failed to process or resolve anything to date. PHH claims that they 'researched ' themselves ( they did not contact the City Commissioner ) and our tax exemption is only a partial exemption and completely disregarded the provided documentation stating it is a full exemption. They refuse to adjust our payments for the full exemption and have not even adjusted them for the partial exemption. Instead they have ignored taking any action to fix the situation and have INCREASED our payments on a statement dated XX/XX/2022. We submitted a request to remove the escrow account on XX/XX/2022 since we are tax exempt and can bundle our homeowners insurance in with our automobile insurance and so far it seems they are refusing to process that as well We have already verified with the Commissioners Office and received XXXX refund payments of our tax XXXX overpayments issued from the city/county, the other portion was issued to PHH Mortgage since they held our loan for the timeframe of the issued refund. We have not received that refund from them and it is not posting in our account. This inept excuse for a company refuses to do their due diligence and actually contact the city/county to verify our exemption. I wish my mortgage was never sold to them as I did not choose nor would I ever choose a company with this track record. I want to have my payments adjusted appropriately, the escrow account closed and all necessary funds refunded to us in full.
Product: Money transfer, virtual currency, or money service

I am writing you to discuss my concerns about Zelles handling with disputes, particular in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial Institute, including Zelle failed to investigate my claims adequately. They informed that recovering loss funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XXXX of 2024 I filed an identity theft case with Experian. Experian removed some of the fraudulent accounts, XXXX of the accounts removed was XXXX XXXX account # XXXX On Monday XX/XX/year>. I checked my credit report and Experian reattached the XXXX XXXX account # XXXX back on my account. I called the Experian customer service and I asked why they put the account back on my account after just being removed. 

They said XXXX XXXX sent them information stating it was my account and I can't have it removed. I asked the Representative if he could provide me with proof of their investigation and a signed affidavit. I was told no there was nothing I can do. 

I explained that Experian is in violation OF the fair Credit Reporting Act. 

The account status is inaccurately reported. This is inaccurate and does not belong to me. 
FCRA Violation : This misreporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to provide accurate information.

15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) Per 15 U.S. Code 1681c2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the following account below have violated my federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15 U.S. code section 1602 ( p ). Also violating 18 USC 894. Using my XXXX  without express written consent in violation. 

Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX They ( credit furnishers ) have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish any account without my written consent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX 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.
Product: Mortgage

I have been on forbearance since XX/XX/XXXX. In XXXX of XXXX I reached out as normal, to end forbearance. I was overly convinced to do a loan mod instead of my partial claim in XX/XX/XXXX. As thousands of other complaints about Loancare, their employees would say something different EVERY time I called. I was told I would be approved, then I was told I'd be denied. Never got sent the paperwork they said they sent from XX/XX/XXXX to XX/XX/XXXX. Finally contacted the XXXX  2nd week in XX/XX/XXXX, and told Loancare with the XXXX  that I don't want the mod. I had the partial claim paperwork that was emailed to me during XXXX involvement that same week notarized and sent out XX/XX/XXXX and WELL WITHIN the 15 day window and before the end of XX/XX/XXXX, THAT partial claim paperwork that was notarized and XXXX XXXX XXXX back, it was sent via email to me from the supervisor, XXXX, from the bankruptcy dept. Now out of my 4 year window of discharge from bankruptcy, I want to refinance and cash out for a better life for my son 's and I. I was told it may be 30 days from XX/XX/XXXX. 2 months later I CONTINUE to get the run around on my Partial claim. It was received in XXXX PRIORITY MAIL and Now that paperwork was NEVER processed, NO ANSWER why. The partial claim was approved PER THEM on XX/XX/XXXX yet again, no correct or current paperwork to get notorized, and idk if I will receive the right paperwork, with MORE calculations and MORE waiting for months before I can refinance. It's them holding customers hostages and making them end up losing their homes. 
They told the XXXX  they can't find wrong doing. It's all over the Internet what they are doing. They need to be shut down permanently. WHY ARE THEY NOT?? The man I talked to today, XXXX, said my mortgage payment was to be the figure that was to be mortgage payment under the modification!! I NEVER HAD THAT PAPERWORK NOTORIZED SO ITS FRAUDULENT. Completely FRAUDULENT. 
SO now, I'm filing a complaint here, the XXXX  again if needed, HUD, XXXX XXXX XXXX XXXX XXXX and anyone else I can find until I get the correct partial claim paperwork and have them quit " SENDING WRONG PAPERWORK OR NOT PROCESSING THE PAPERWORK I SEND so they can prolong the stress they put us under before they try to foreclose.