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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Balance {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$370.00} Date opened XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$220.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$5800.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 THE HOME DEPOT/XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX HOME DEPOTXXXX Account Number : XXXX Balance : {$720.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : HOME DEPOT/XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )
Product: Mortgage

Hello. I've been having problems with citizens One mortgage Company. Out of XXXX Rhode island main office. basically they are trying to deceive me into refinancing. I'm not getting a straight answer, I've been doing this for over three weeks trying to get them to explain the process of deferring payment to the end of the loan which is a program that was set out by XXXX XXXX  as a XX/XX/XXXX.. this is a program to defer payment to the end of the loan without affecting current mortgage. I have asked to talk to a manager I ask for email. Especially when the representative have all given me misinformation or was not able to explain. I have faxed over information about the deferral program last week I have gotten no response. I have fact over to them, two other times, asking for a response. my loan number with this company is XXXX. The company representatives and refused to give me any email address or talk to any manager. also I've been put on a customer in a customer cube for a callback they do not return all their calls especially in the evening. And also they have stated and put information in the system saving that they call you and your phone was busy and none of that is true. my cell phone recorder is all incoming calls and I have a voicemail that set up. There are phone records of all my conversations with that company which shows I have tried to talk to the company, which is all on call log records under my loan number. XXXX XXXX
Product: Vehicle loan or lease

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Student loan

My loan servicer debited two monthly payments from me instead of one. When I called to resolve this and refund the extra payment, they told me it would take at least 60 days to refund me. Thats insane, I have bills to pay and now my account is overdrawn and I have nothing to replace the funds with. These loan services cant be doing this to people when it takes that long to get the money back. Also can we please investigate why it takes them 60 DAYS to provide refunds?? Like you have the money just give it back. This is insane in this economy and I'm really XXXX.
Product: Credit reporting or other personal consumer reports

They are in clear violation of my consumer rights and need to remove and update reporting.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed an account with XXXX XXXX that is not mine. It belongs to a different person. Originally they came back with " we wont block this '' we think it's inaccurate your reasoning. I provided the documents they asked for. They then came back once again we " need proof if your identity '' even though I provided it each time I submitted. This was a delay tactic. I submitted this again. Then after asking for proof this account was in my social. I get a statement " we have verified this belongs to you with the creditor ''. Contact the creditor. I asked for proof. That would be under FCRA a contract, an application etc that shows my DOB, and Social Security number on the application or agreement. Nothing was provided by Equifax. I reached out to XXXX XXXX. They can not find an account with either Opening date, balance, charge off date, under my name, Social Security number or DOB. They state it belongs to someone else with similar name. So, they ( XXXX XXXX ) can not do anything to correct it since they are not reporting it to Equifax. They refer me back to Equifax. So, Equifax is not doing their due diligence. This account clearly needs to be blocked until they can figure out the issue and it needs to NOT be reported under my social. They can call XXXX XXXX the number is on the letter from XXXX XXXX to verify this.
Product: Student loan

I consolidated my student loans into one loan over 10 years ago through XXXX. XXXX reported my consolidated loan to all the credit reporting agencies as one loan. 

XXXX acquired my loan from XXXX around XXXX-XXXX-18. I recently applied for a home mortgage and was surprised to find that XXXX is reporting my consolidated loan to all credit reporting agencies as two separate loans even though my consolidated loan is under one account number with XXXX. XXXX has both loans under one account number, XXXX. I make one payment. 

I contacted XXXX many times requesting that they report my consolidated loan as one loan. They are refusing to do that. They also are refusing to tell me they policy or law explaining why and are refusing to send me an explanation in writing. 

By reporting my consolidated loan as two loans my credit scores have suffered and it has had a negative impact on my credit and almost prevented me form acquiring a home mortgage.
Product: Credit reporting

Transunion has an inaccurate account on my credit report listed as a bankruptcy. I disputed this account with Transunion on several occasions and they did not send my dispute to the listed furnisher of information within 5 business days as required under FCRA. I wrote a letter to the US Bankruptcy Court, that Transunion has listed on my credit profile to question them about verifying the inaccurate account and communicating with Transunion. The US Bankruptcy Court responded to my letter on XXXX XXXX, 2016, and stated that " We do not provide specific verification of any data with any person outside the federal government ''. The letter goes on to say that credit bureaus access XXXX to lookup bankruptcy information. This evidence shows that ( 1 ) Transunion did not contact the courts about my dispute as they are required to do under the FCRA, ( 2 ) Transunion is listing the courts as the furnisher of information when they clearly are not. The bankruptcy is not accurate and it should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX  credit card and XXXX XXXX XXXX credit card
Product: Credit card or prepaid card

I purchased {$30000.00} worth of {$1000.00} gift cards issued by Blackhawk Network Holding. After the purchase, Blackhawk Network Holdings limited how these gift cards can be used. They changed the terms AFTER my purchase. I tried to make a {$600.00} purchase at XXXX  and the gift card declined. I would like a refund for the unused gift cards.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) 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 the 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 reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/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 to be removed/updated. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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!
Product: Debt collection

CKS PRIME INVESTMENTS Original creditor : XXXX XXXX XXXX XXXX XXXX. 
{$850.00} Creditor is negatively affecting my credit score
Product: Checking or savings account

On XX/XX/2018 I opened a Yield Pledge Checking account after coming across an offer for {$150.00} with direct deposit. The terms of the promotion state that a {$150.00} promotional bonus will be deposited to the account after openeing the account with promo code XXXX, funding the account with {$5000.00} ( completed on XX/XX/18 ) and a direct deposit of {$1000.00} or more within 90 days ( Completed on XX/XX/18 and XX/XX/18 ). I have completed all the rquired steps for this promotional bonus and I have not yet received the bonus. 

After speaking with TIAA bank, they are disorganized and no customer service rep has been able to tell me why I did not receive the offer.
Product: Mortgage

I discovered today that BB & T/Truist bank put hazard insurance on a property that I already had insurance on it. The balance of the loan is just over 3000. I called them and after one of their reps called my insurance company they admitted I had insurance. I watched my insurance company fax them the policy twice in the last few months in response to the letters I got threatening to do this very thing but they claim they never got them. The XXXX escrow amount is still on my account. I want it gone but this is not the first time BB & T has done something like this. I am tired of having to spend hours on the phone trying to straighten out problems cause by the incompetence of their employees and getting no results. Any help you can give me with this will be greatly appreciated. I am not in danger of foreclosure just a XXXX XXXX.
Product: Checking or savings account

My card was tapped using a square reader at raisin canes, the transaction was for {$75.00} and was descripted as XXXX tax and listed as an electronics category. When I disputed this transaction with chime, it was denied the same day. I then called and inquired why and disputed it again. Once again it was denied the same day. I requested the documentation used to determine the validity of the debt and the intake form from my phone call was the only document provided. I called and obtained a copy of the police report, I called the actual XXXX XXXX XXXX and confirmed they did not charge my account, their transaction would have been listed as XXXX. I also do not live in that district to owe taxes. I provided all of these things to chime to reopen the dispute and once again, it was denied without any explanation given or proof that this was not fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in 2016 these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY I tried to FREEZE MY CREDIT REPORT WITH EQUIFAX AND FOUND OUT THEY WANT TO CHARGE ME {$10.00} TO FREEZE MY CREDIT REPORT. They collect all my information and dont pay me, but want me to pay them for a credit report freeze.that does not seem right or fair.
I will call them to try to get them to waive the fee, but i dont feel very confident they will do that.
I will be trying to freeze my credit reports with the other two companies, and i fear i will be very upset to find out they, too, charge.
This does not seem right to me, especially since the company getting hacked is the reason i am trying to freeze my CR.
Can you tell me if the cfpb can do anything to help us consumers ... .and thanks for all you currently do.
Thanks XXXX XXXX
Product: Mortgage

We are currently pursuing a VA loan assumption through Loan Depot. This process began in mid XXXX, XXXX and is still ongoing. We received virtually XXXX communication until XXXX, when we reached out and began asking for answers. We were then told there was missing documentation. Some of the requested documents we had already provided back in XXXX, but Loan Depot either lost them or never included them in the packet. We provided all requested documentation plus additional, within 48 hours of it being received. Requests came piecemeal, with minimal explanation, and some items requested from us ( the buyers ) were information that could only be provided by the sellers. We continue to receive virtually XXXX updates unless we reach out consistently, emails often barely contain complete sentences, and there has been an egregious number of errors made in basic communications. For example, getting email addresses incorrect when they have been provided. Currently, we are needing an item removed from our packet ( an application for a secondary loan, which we never took out, because we sold our previous home and now have the capital in cash ). We have provided documentation in about 4 different formats confirming the sale of our home, final monetary amounts, proof that funds were transferred to our bank and are now in our possession, etc. The loan officer reached out to the title company to get confirmation of this 'secondary lien XXXX being removed ( it was never a lien as it never manifested ), and I discovered today that they send the email to the incorrect email address, despite having been provided with the correct one, so the title company never received the request. Basic errors in competency continue to cost additional time, and the assumption process has now taken nearly 120 days, with no firm timeline for closing yet determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened the same dispute with transunion 3 times regarding late payment that is showing up on my credit report with XXXX XXXX. The first dispute was closed out with no change. They claimed to have talked with XXXX XXXX, but I have talked directly with XXXX XXXX over the phone multiple times and they have confirmed that my account is satisfactory and there are no late payments on record. XXXX XXXX has faxed proof of my satisfactory account twice and I have faxed the same proof of my satisfactory account as well to both XXXX and XXXX transunion fax numbers. It is always reported that documentation has not been received. They will not allow me to upload supporting documentation online until a dispute is closed. 

I was told by the transunion team that the credit card numbers paired to my account do not match the credit card numbers I have in my wallet. I was also told there is a high probability that the late payments being picked up are for a different XXXX XXXX. 

I have spent 5+ hours on the phone with transunion team members both off-shore and in the united states with no resolution. I am always re-routed to a different team and have  twice been re-routed to a department other than what was told to me, causing the chain of command for escalating the case to start again from the beginning. I have also been told I was being transferred, and then hung up on. 

I am trying to apply for an auto and home loan and my hard credit score is reporting nearly 50 points below what it should. 

Please file a formal complaint against TransUnion for the lack of care and frustration caused by this case. 

Thank you kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid with the understanding that it would be removed. It is still reporting on my credit report. I have taken care my part of the bargain and they have not.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law on my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with ( XXXX  XXXX Inquiry : XXXX XXXX, 2025 ), I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into ( XXXX  XXXX XXXX : XXXX XXXX, 2025 ) inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if ( XXXX XXXX XXXX : XXXX XXXX, 2025 ) is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX