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

I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Transunion, disputing inaccurate accounts on my credit report. To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address I mailed my initial dispute letter on XX/XX/year>XXXX XXXX USPS XXXX XXXX XXXX XXXX XXXX XXXX  ). On XX/XX/year>, I received a response via email stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Despite this, I sent a second dispute letter on XX/XX/year>, including all necessary documentation. However, I received no response or investigation results from TransUnion. I followed up with a third dispute letter dated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I finally received a response identical to the one I received on XX/XX/scrub>XXXX XXXX XXXX 
This response is confusing and unacceptable, as all my communications were sent directly by me and included complete and accurate information. 
According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EQUIFAX ON NUMEROUS OCCASIONS TO LET THEM KNOW THAT THE INQUIRIES ON MY CREDIT REPORT ARE IN ACCURATE. I HAVE SENT OVER MY FTC REPORTS AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT INQUIRIES. 

FRAUDULENT INQUIRIES : AOD XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My mortgage was sold to Lakeview Loan Servicing/XXXX in XX/XX/XXXX. I have been having one problem after another with them, from not paying my homeowner 's insurance out of my escrow account and threatening to take out a very expensive policy on my home ( this has been resolved ) to failing to respond to or resolve a property tax error that is costing me hundreds of dollars every month in additional fees. 

According to XXXX, my estimated total annual disbursement amount is {$5400.00}, when it should be {$2700.00}. 

I first notified XXXX by email of the error XX/XX/XXXX. I received a notification that the issue was being forwarded to the tax team for review and resolution on XX/XX/XXXX. No one from the tax team corrected the error or contacted me to request additional information and the problem was not resolved. 

After speaking with a customer service representative XX/XX/XXXX, I emailed a copy of my tax documentation as instructed. In the meantime, my escrow account was assessed at XX/XX/XXXX and {$200.00} in additional escrow payments were added to my monthly payment. 

More than a month after reporting this problem, I mailed a letter with delivery confirmation, as detailed on the XXXX website, documenting the issue and providing supporting documentation. The letter was delivered on XX/XX/XXXX. According to XXXX, I should have received confirmation of receipt within five business days and a more detailed letter with a timeframe for resolution within 15 calendar days. I have received no communication whatsoever. 

I made one additional attempt to communicate with XXXX by phone on XX/XX/XXXX. The representative I spoke with spoke with his supervisor, who confirmed I have submitted everything required. I was told it had been escalated to the tax team and that I should not make my monthly payment until he called me to confirm the issue had been corrected. I asked that these instructions be emailed to me and was told they would ; I have received nothing. 

I have followed all procedures to communicate about this error and made every effort to resolve it with XXXX. At this point, I have to wonder whether this is simple incompetence or whether the company is illegally padding escrow accounts. Either way, I am trapped with this dreadful company until I am in a position to refinance my mortgage.
Product: Credit card

My card was charged for purchases I did not make. The balance is not valid. Barclays needs to correct their reporting and remove this from my credit report immediately. The balance is not valid.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realized I have a few damages on my credit report.According to the 15 USC 1681 law, there should not be any damages on my report, is a defamation on my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account.theses fees were accessed despite having sufficient funds available at the time the transactions were authorized. However due to the delay posting of charges and credits, I was unfairly charged over draft fees. This issue appears to be consistent with recent findings by CFPB, which identified similar practices by navy federal credit union, where transactions with insufficient balances despite initially having adequate funds. I believe theses practices are Deceptive and unfair.
Product: Debt collection

Collector laughed at me because of the amount I owe stating that its not like you owe {$8000.00} you only owe {$82.00} after telling him I have been having financial hardship and am in a XXXX XXXX program and dont have much to be able to pay. 


I got an email saying I could qualify for up to 30 % off of the debt so I called to see if I could settle the debt and he laughed at me so I called him an XXXX because thats exactly what he was being. 

Just because I dont owe {$8000.00} doesnt mean Im not calling in good faith to try to settle the debt. 


Then he laughed at me and said I wouldnt be able to get an apartment because it will still show on my credit that I owe {$82.00} and he was unwilling to even try to settle the debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an erroneous account reported on my credit file by XXXX 

This account, which I did not authorize or open, is the result of identity theft. I have never applied for or held any personal or student loans with this creditor. 

Supporting evidence, including police reports and an FTC Identity Theft Affidavit, has been provided in previous communications. Despite my repeated efforts to resolve this issue, this fraudulent account continues to be reported inaccurately, causing undue harm to my credit profile and financial stability
Product: Checking or savings account

On XX/XX/XXXX my account with cash app was charged a dollar by a company called XXXX then the canceled it then on XX/XX/XXXX XXXX made XXXX fraudulent charges to my account total approximately XXXX, XXXX charges of XXXX two charges of XXXX two charges of XXXX one charge of XXXX and one charge of XXXX starting with first charge at XXXX and the XXXX charge ending at XXXXXXXX. When I started this dispute with these charges the website would not email the appropriate steps/forms to take cause they never got to me that was told would help me start the process, never arrived. The phone number they gave me from a automated online chat would go to a voice message that they were inundated with calls and to use the online chat to get to a agent virtually and then hangs up on you. I was finally able to get the needed item sent to me using a different email. So they put these disputes in review. They were supposed to touch base with me and I never received a call or email telling me what's up till I kept trying to contact them through the chat portal and finally got thru and they told me my items were in review. I don't know exactly when the gave me the refund since on the platform it doesn't give me this and one of the XXXX charges is still not refunded to me do to it still being in review. Ever since that day I have sites trying to hit my account for money. They then proceed to deactivate my card due to high dispute rate and say they can't give me any further information?!! I was just disputing fraudulent charges from a dishonest site and the lock my card?! I've never gone over my funds or had any other problems till that day. I've continued to try contacting them but all they say is that the card is deactivated and can not be changed at this time. I've tried calling multiple times to be hung up on. And it seems they care more about the vendor than the consumer. And when your on the chat portal it's always an initial automated response say they had to forward to a customer support agent and it may take several hours. Then once they respond the answer are very vague and give you no other help. I'm just trying to get all my money back as I am XXXX  and on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.
Product: Money transfer, virtual currency, or money service

I believe that closing my PayPal account is a mistake. I am using my Paypal account for my online business XXXX advertising  Service since XX/XX/2022. My paypal account : XXXX was use for my business that support my family And I am hoping that I will get back my account and able to do transactions with you. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Money transfer, virtual currency, or money service

Misuse of personal information by the company. As well as withdrawals and transactions that were not mine. And constantly having to get new cards because of unauthorized purchases coming through my account.
Product: Credit card or prepaid card

I purchased concert tickets for a show at XXXX XXXX in XXXX on XX/XX/2020 that was cancelled due to COVID. I was charged for these tickets back in XXXX of 2020, and I have emailed and called XXXX XXXX  over and over for a credit with no response. I then filed a dispute with my credit card company, TD Card Services, over a month ago, and no one at TD Card has been assigned to work on my case, which I was told today by a supervisor when I called to inquire the status. I feel I have paid for something that never transpired, and would like a refund ASAP, as I also feel I have been waiting long enough.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft. 

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information. 

In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$6500.00} Balance Updated : XX/XX/XXXXXXXX  Original Balance : {$3800.00} Highest Balance : {$6500.00}
Product: Checking or savings account

Three transactions were presented at the same time. It was the order in which they were presented and I was charged a {$35.00} handling fee.

The three transactions were onXX/XX/XXXX. {$1200.00} transfer, {$25.00} debit card and XXXX   debit card.

I requested bank to review order of transactions, remove the fee and deny the {$22.00} transaction since it had dropped off the account for two weeks, and then resurfaced. Either don't charge me the fee since all transactions were approved and processed when made, or deny the transaction that came back and should not process.

I did not sign up for banks overdraft on purpose.

I would appreciate your review and see what can be done to return the overdraft fee.
Product: Student loan

I recently transferred my loans to XXXX XXXX, also known as the Pennsylvania Higher Education Assistance Agency, because I wished to have loan forgiveness through the XXXX XXXX XXXX XXXX program. When I completed the program application, I was told by The US Department of Education that I would receive notice directly from XXXX XXXX in regards to when I should make my first payment to the new servicer. In anticipation of the notice and upon receipt of an email I received from the lender on XXXX/XXXX/XXXX stating my loans were " in the process of transferring, '' I created an online account on XXXX/XXXX/XXXX through XXXX  in order to receive notices and approve paperless billing ( confirmation received ).  However, I noticed upon signing up and signing into my account that my loans were already " Delinquent. '' I remitted a payment immediately in the amount shown as " past due '' on the homepage in the amount of {$230.00}. I then received a letter by mail on XXXX/XXXX/XXXX, postmarked XXXX/XXXX/XXXX, from XXXX stating that I was still delinquent on my loans. It was the first correspondence I received from the loan servicer and was not consistent with the payments made online. On XXXX/XXXX/XXXX, I signed into XXXX account online again and noticed the website now said I was " Delinquent '' again, whereas, my payment was " 16 days late ''. Therefore, On XXXX I called XXXX XXXX by phone and spoke with Customer Service Agent # XXXX at XXXX who reiterated that my payment was 16 days late ( pre-dating my notice from the lender by email stating the loans were " transferring '' ) and now my payment was due as of XXXX XXXX, XXXX. XXXX XXXX is not proving accurate loan information. Their lack of communication is causing negative crediting information, thus affecting the credit score and financial output of their customers like me. They should have their business license revoked for predatory financial practices. I will scan my postmarked envelopes and email communications from this lender. Please help to rectify the issues with this company.
Product: Debt collection

I entered a consumer credit transaction with SANTANDER and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SANTANDER claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SANTANDER has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me
Product: Credit reporting

To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which I have no knowledge of. Specifically, the item is for a collection agency ( XXXX XXXX XXXX ), a collection for XXXX. I do not recall having any open account with XXXX at the time and, in fact, I was studying outside of the country during that year and the previous year. Further, I have never received a bill for this and the account is marked as " Paid '' on the credit report. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I received an expired settlement check from Ally in XXXX 2016 and called Ally Settlement Administrator where they told me to send it back and I would get a new check. A month went by and still no check so I called Ally and they said they sent it and where they sent it to. I did n't receive the check because it went to an address I lived at five years ago and had never even given Ally. They said they would resend a new check to the address I had originally provided and if I did not hear back I was to call again and ask for XXXX XXXX the manager. I have now left numerous messages, made calls and sent an email and have had no response or answer.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEW MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND A NUMEROUS FRAUDULENT CLOSED ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. HERE IS THE ACCOUNTS WAS REPORTED TO MY CREDIT REPORT. XXXX XXXX BALANCE {$16000.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/XXXX. XXXX XXXX BALANCE {$3900.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX  BALANCE {$17000.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/XXXX. AND ALSO I AM ATTACHING A COPY OF IDENITY THEFT, UTILITY BILL, DRIVER LICENSE ANS SOCIAL SECURITY CARD.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) - ( b ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. 

The accounts in questions are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.